Understanding Medicare Part C

Medicare Part C, also known as Medicare Advantage, is a type of health plan offered by private companies that contract with Medicare to provide all your Part A and Part B benefits. If you join a Medicare Advantage Plan, the plan will provide all of your Part A (Hospital Insurance) and Part B (Medical Insurance) coverage. Medicare Advantage Plans may also offer extra coverage, such as vision, hearing, dental, and/or health and wellness programs.

Highlights of Medicare Part D

Medicare Part D is the prescription drug coverage plan offered to Medicare beneficiaries. It's designed to reduce the cost of prescription drugs and make drugs more affordable for enrollees. Part D plans are offered by insurance companies and other private companies approved by Medicare. Each plan can vary in cost and specific drugs covered, but it is a valuable addition for those who require medication as part of their healthcare regimen.

Choosing Between Part C and Part D

Your choice between Medicare Advantage (Part C) and a standalone Part D plan depends largely on your specific healthcare needs. While Part C may offer more comprehensive care, including additional benefits and limits on out-of-pocket costs, Part D can supplement your Original Medicare coverage for prescription drug costs. Understanding the specifics of each plan and considering your health needs will help in making an informed choice.