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.
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.
The moment you're diagnosed with a serious illness is also when Medigap insurers can refuse you coverage. If you think you might ever want Original Medicare, make that decision while you're still healthy and the switch is guaranteed.
Start with the free Retirement Readiness Score to see where you stand, then talk to a fiduciary if you want a second set of eyes. No pitch, no pressure.
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