Medicare Advantage: The Basics
Medicare Advantage plans, also known as Medicare Part C, MA, or MAPD (Medicare Advantage Prescription Drug) plans, are one option to receive your additional Medicare coverage AFTER you enroll in Original Medicare (Part A + B).
These plans are offered by private insurance companies—not the federal government.
Medicare Advantage plans combine your coverage into a single, comprehensive plan, often including additional benefits not offered by Original Medicare alone.
What do Medicare Advantage Plans Include?
Most Medicare Advantage plans:
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Include Medicare Part A + Part B coverage
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Often include prescription drug coverage (MAPDs)
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May offer additional benefits such as dental, vision, hearing coverage, over-the-counter allowances, etc.
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Operate using provider networks
While Medicare sets the rules these plans must follow, coverage details, costs, and provider networks vary by plan and carrier.
Why Many People Choose Medicare Advantage
About half of all Medicare Beneficiaries are enrolled in a Medicare Advantage plan.
Compared to pairing Original Medicare with supplemental coverage, Medicare Advantage plans often:
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Have lower monthly premiums
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Use copays and coinsurance instead of higher upfront costs
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Bundle medical and drug coverage into one plan (no need for an additional Part D plan)
These plans may be a strong fit if you:
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Do not see doctors frequently
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Do not take many high-cost medications
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Are comfortable using a provider network
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Prefer bundled coverage in one plan
For individuals with limited healthcare usage, this structure can be more cost-effective.
Important Considerations
Medicare Advantage plans are not one-size-fits-all. Before enrolling, it’s important to:
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Confirm your doctors are in-network
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Review how your medications are covered
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Understand your plan’s cost structure
At Emerald Medicare, we review provider networks, prescriptions, and plan options in your ZIP code to help ensure the coverage fits your needs.