Medicare Advantage
(Part C)

An alternative to Original Medicare
with bundled benefits.

Medicare Advantage (Part C) plans are offered by private insurance companies and include your hospital (Part A) and medical (Part B) coverage, often with additional benefits such as prescription drugs, dental, vision, hearing and more.

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What Is Medicare Advantage?

Medicare Advantage plans (Part C) are approved by Medicare and offered by private insurance companies. These plans provide your Part A (hospital) and Part B (medical) coverage, and often include additional benefits such as prescription drug coverage, dental, vision, hearing and sometimes fitness programs.

Bundled Coverage

Typically includes
Parts A and B, and
often Part D.

Additional Benefits

May include dental,
vision, hearing,
fitness and more.

Different Plan Types

HMO, PPO and
other options
are available.

Plan Costs

Costs and coverage
vary by plan and
location.

Local Options

Plans and benefits
can be different
in Florida.

Potential Advantages

Medicare Advantage can be a good option for many people.

Bundled coverage (medical and often drugs)
Additional benefits (dental, vision, etc.)
Often lower monthly premiums
Out-of-pocket limits on covered services
Variety of plan options

Important Considerations

It's important to understand if a plan fits your individual needs.

Network restrictions may apply
Referrals may be required for some plans
Costs and benefits can change each year
Plan availability varies by location
May not be the best fit if you travel often outside your plan’s service area

Frequently Asked Questions

What is the difference between Medicare Advantage and Original Medicare?

Original Medicare is provided directly through the federal Medicare program. Medicare Advantage is an alternative offered by Medicare-approved private insurance companies, with plan-specific networks, costs and benefits.

Do Medicare Advantage plans include prescription drug coverage?

Many Medicare Advantage plans include Part D prescription drug coverage, but not all do. Check the details of any plan before enrolling.

Can I keep my current doctors?

That depends on the plan and its provider network. Kimberly can help you check your doctors and hospitals before you select a plan.

What happens if I travel outside Florida?

Coverage when traveling depends on the plan. Emergency and urgently needed care are generally covered, while routine out-of-area care may be limited, especially with an HMO.

How much do these plans cost?

Premiums, copayments, deductibles, and out-of-pocket maximums vary by plan. You must continue paying your Medicare Part B premium, and some plans have an additional premium.

Can I switch plans if I'm not happy?

You may be able to switch during an applicable Medicare enrollment period or if you qualify for a Special Enrollment Period. Timing and eligibility rules apply.

HAVE QUESTIONS ABOUT MEDICARE ADVANTAGE?

Let’s Talk About Your Options.

Kimberly can help you compare available plans and find the option
that fits your health care needs and budget.

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Martin Counties

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in Palm Beach County & Martin County

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Medicare Advantage(Part C)