Medicare Advantage (Part C) is private health insurance that replaces Original Medicare. Plans bundle Parts A, B, and usually D, often add dental/vision, and typically use HMO or PPO networks.
Nearly half of Medicare beneficiaries now choose Advantage plans — usually for the $0 premium and extra benefits. But Advantage plans use prior authorization, narrow networks, and step therapy in ways Original Medicare does not. For healthy retirees the trade-off often makes sense; for those expecting serious illness, it often doesn't.
Medicare is the federal health insurance program for Americans 65+. It has four parts: A (hospital), B (doctors/outpatient), C (Medicare Adv…
Medigap (Medicare Supplement) is private insurance that covers the 20% coinsurance and other out-of-pocket costs Original Medicare doesn't p…
Medicaid is a joint federal-state program that covers healthcare and long-term care for people with limited income and assets. For retirees,…