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Medicare Advantage Plan
Medicare Advantage Plans are a popular alternative to Original Medicare, offering all-in-one coverage that can include extra benefits not covered by Parts A and B.
What is a Medicare Advantage Plan?
A Medicare Advantage Plan (also known as Part C) is coverage offered by private insurance companies that replaces your Original Medicare. These plans
combine your hospital (Part A) and medical (Part B) coverage into a single plan—and most include
prescription drug coverage and additional services like dental, vision, or hearing.
Why Consider a Medicare Advantage Plan?
All-in-One Convenience: Medical, hospital, and often drug coverage under one plan.
Extra Benefits Included: Many plans offer dental, vision, hearing, fitness memberships, and more.
Affordable Options: Some plans have low or even $0 monthly premiums (you still pay your Part B premium).
Coordinated Care: Plans may use a provider network to help manage your care and reduce costs.
A Few Things to Keep in Mind:
Provider Networks Apply: Most plans require you to use doctors and hospitals in their network.
Plan Benefits Can Change Each Year: It’s important to review your plan annually during the Medicare Annual Enrolment Period.
You must have Medicare Parts A and B to enroll in a Medicare Advantage Plan.
Frequently Asked Questions
Do I need both Medicare Part A and Part B?
Yes—if you want full coverage for both hospital (Part A) and medical services (Part B). Most people get both when they turn 65 to avoid late penalties and gaps in coverage.
When can I enroll in Medicare?
Your Initial Enrollment Period is a 7-month window: 3 months before, the month of, and 3 months after your 65th birthday. You can also enroll later, but you may face penalties or limited options.
Does Medicare cover prescription drugs automatically?
Not with Original Medicare (Parts A and B). You’ll need to enroll in Part D for drug coverage, or choose a Medicare Advantage Plan that includes it.
How much does Medicare cost each month?
Part A is usually free for most people. Part B has a monthly premium (the standard amount can change yearly), and you may pay additional premiums for Part D, Supplement, or Advantage Plans depending on what you choose
Will Medicare cover all of my healthcare costs?
No—Medicare does not cover 100% of healthcare costs. You’ll still be responsible for deductibles, copays, and coinsurance. That’s why many people choose a Supplement Plan or a Medicare Advantage Plan to help with those costs.
Is dental, vision, or hearing covered by Medicare?
Original Medicare doesn’t cover routine dental, vision, or hearing services. Many Medicare Advantage Plans include these benefits.
Luma Insurances is not affiliated with or endorsed by the United States government or the federal Medicare program. We do not offer every plan available in your area. Any information we provide is limited to the plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all your options.
Luma Insurances is not affiliated with or endorsed by the United States government or the federal Medicare program. We do not offer every plan available in your area. Any information we provide is limited to the plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all your options.