When considering the four different “parts” offered by Medicare, the different combinations of each that are available, finding the perfect Medicare plan for you can be hard. For some, Medicare Part C may be the best option for your healthcare needs.
Medicare Part C is a combination of parts A, B, and D. These plans include inpatient, outpatient, and drug coverage through affordable health insurance companies instead of through the government.
Part C also goes by the name Medicare Advantage Plans. These third-party plans must cover all of the same health care services as Medicare Original. Part C plans often include additional cover for:
- Fitness Programs.
Each program will have different terms and costs. The government pays a fixed amount to the insurance provider directly. You have the freedom to compare low cost health insurance quotes from several different companies.
For example, you can make sure the plan you are interested in covers insulin if you are a diabetic, and at what costs.
You have the ability to change your plan each year during the open and general enrollment periods. You can change from Medicare Part C to Original Medicare from January 1st and March 31st. Or, you can switch from Original Medicare to a Medicare Advantage Plan from October 15th and December 7th.
If you have difficulty covering the costs of your health, you can apply for Medigap.
The program helps cover insurance costs, such as deductibles, copayments, and coinsurance. To use Medigap, you must have Original Medicare, not a Medicare Advantage Plan.