Medicare Part C

What Are the Parts of Medicare?

Medicare has four different parts that provide coverage for specific services. Learning what each part covers can help you better understand your options and feel more confident about your decisions.

Medicare Part C (Medicare Advantage)

Medicare Part C, commonly known as Medicare Advantage, is coverage offered by private insurance companies that have a contract with the federal government. Medicare Advantage combines your Part A hospital, Part B medical and often Part D prescription drug coverage into one plan.

  • Provide all the coverage of Original Medicare (Parts A and B). Lower out of pocket costs.
  • May require you to use providers within the plan’s network and charge you more when you use out-of-network providers.
  • Limit the amount of money you pay out-of-pocket for medical expenses each year.
  • Must notify you of any changes to the plan before the next enrollment year.
  • Are only available to you if you’re enrolled in both Medicare Part A and Medicare Part B. With Medicare Advantage, you must continue to pay your Medicare Part B premium.
  • You may also have to pay a monthly cost to the insurance company that provides your coverage.

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By providing the information above, I grant permission for a licensed insurance agent, Rukon H., to call or email me regarding my Medicare insurance plan options, including Medicare Supplement, Medicare Advantage, and Prescription Drug Plans.

When and How Do I Enroll?

If you’re like most people, you’ll enroll in Medicare around the time you turn 65. Your Initial Enrollment Period begins three months before your 65th birthday, includes the month you turn 65 and ends three months after that birthday. Keep in mind that if you don’t get Medicare during this Initial Enrollment Period, you may have to pay Medicare Part B or Part D late enrollment penalties. Plus, you could be missing out on coverage that maximizes your health and budget. That’s why it’s generally a good idea to enroll as soon you can. How you enroll generally depends on if you’re getting benefits from Social Security, the Railroad Retirement Board or the Office of Personnel Management.

  • You’ll automatically get Medicare Part A and Part B starting the first day of the month you turn 65.
  • If your birthday is on the first day of the month, Part A and Part B will start the first day of the prior month.
  • You’ll need to sign up with Social Security to get Medicare Part A and Part B.
  • You can apply online at socialsecurity.gov, at your local Social Security office or by calling Social Security at 1-800-772-1213 (TTY: 1-800-325-0778).
  • If you worked for a railroad, call the RRB at 1-877-772-5772.
  • After you get disability benefits from Social Security for 24 months.
  • After you get certain disability benefits from the RRB for 24 months.
  • The month your disability benefits begin if you have ALS (Amyotrophic Lateral Sclerosis, also called Lou Gehrig’s Disease).
  • You’ll need both Part A and Part B to qualify for the full benefits that cover certain dialysis and kidney transplant services.
  • You can apply online at socialsecurity.gov, at your local Social Security office or by calling Social Security at 1-800-772-1213 (TTY: 1-800-325-0778).

We do not offer every plan available in your area. Currently, we represent over 12 organizations that offer over 32 plan products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.

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