Traditional Medicare which every American who qualifies signs up for at 65 or earlier if qualifying conditions are met, includes parts A&B. Part A covers hospitalization and Part B covers doctors visits and other health provider care and durable appliances. So what is Part C?
Part C is now known as a Medicare Advantage Plan (MA) ? So, what’s the difference? Medicare is provided and run by the government and connected to Social Security in terms of qualifications. Medicare Advantage Plans are sold by private insurance companies and must contain all the coverage that traditional Medicare provides.
The major reason for people to choose an MA plan is for the additional benefits that many of them offer. Traditional Medicare has no provision for hearing, only limited vision coverage for vision and nothing at all for dental. All of these, vision, dental and hearing may be a benefit of a Medicare Advantage Plan.
The other part, D is for prescriptions. Aside from medications in hospital or physician provided m office medications there is no coverage for prescriptions in traditional Medicare. So you must purchase a separate plan to cover any prescriptions filled for you by a pharmacy. There are separate part D plans available, but since they are generally part of an Advantage Plan it is another obvious benefit.
Cost can be a factor, though some Advantage Plan do not charge a premium, they may have co pays for each provider visit, deductibles that must be met and out of pocket limits which may be high.
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