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AARP's Medicare Question and Answer Tool

What are Medicare Advantage plans?



En español |  Medicare Advantage plans are an alternative to Original Medicare. They also may be known Medicare Part C plans. Medicare Advantage plans are offered by private insurance companies and cover the same health care services as Original Medicare.

But they also may offer additional health care services that aren’t covered by Original Medicare.

Examples of Medicare Advantage plans are Health Maintenance Organizations (HMO) and Preferred Provider Organizations (PPO). In Medicare Advantage plans, you usually pay a small amount, or a copayment, when you visit the doctor. In most Medicare Advantage plans you can only go to the doctors, specialists and hospitals on the plan’s list. Otherwise, you may pay more or you may not be covered for services at all. However, if you need urgent or emergency care, your Medicare Advantage will pay for the services you receive.


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