Medicare Advantage plans, also known as Part C, are an alternative way to receive your Medicare benefits through private insurance companies approved by Medicare. These plans combine your hospital (Part A) and medical (Part B) coverage into one plan, and often include additional benefits like prescription drug coverage, dental, vision, and hearing services. Many plans also offer low monthly premiums and built-in out-of-pocket maximums, helping you manage healthcare costs more predictably.

Medicare Supplement plans, also known as Medigap, help cover the out-of-pocket costs that Original Medicare doesn’t pay, such as deductibles, copayments, and coinsurance. These plans work alongside your Medicare Part A and Part B coverage, giving you more predictable healthcare expenses and greater flexibility to see any doctor who accepts Medicare. Medigap plans do not typically include prescription drug coverage, but they offer peace of mind by reducing unexpected medical costs.

Special Needs Plans (SNPs) are a type of Medicare Advantage plan designed for individuals with specific healthcare needs. These plans provide targeted coverage for people with chronic conditions, those who qualify for both Medicare and Medicaid, or individuals living in certain institutions. SNPs offer coordinated care, customized benefits, and provider networks tailored to better manage unique health situations and improve overall outcomes.