Understanding Medicare Advantage Plans

Part C, also known as Medicare Advantage Plans, includes all benefits and services covered under Part A and Part B.  It is run by Medicare-approved private insurance companies, and is an alternative to original Medicare. To receive Part C benefits, you must be enrolled in Part A and B. Medicare advantage plans usually include Medicare prescription drug coverage (Part D) as part of the plan.  You must choose between Original Medicare and Medicare Advantage.

Your Medicare Premium might be $0!  When you enroll in a Medicare Part C Advantage plan, Medicare pays a fixed monthly amount to the plan insurance carrier to provide your care. The insurance carriers will offer you a monthly premium as low as possible to attract you to their plan. Some carriers will even offer their plan at a $0 premium to you, but this can change from year to year as each carrier must renew its contract with Medicare annually.


You will also still pay your monthly premium for Part B when you are enrolled in Medicare Advantage plans. You must be actively enrolled in both Part A and Part B to qualify for enrollment into a Advantage plan.  For ways to help pay your part B Premium look under the Extra Help/Medicare Savings Plan tab on the menu above.


 A Medicare Advantage Plan doesn't replace Medicare Part A and B-it simply administers the plans for you.


Prescription drug coverage: Optional drug coverage for those with Part A & Part B.  Those who’ve enrolled in an Advantage Plan should  choose a plan with built-in prescription drug coverage; they cannot apply for Part D coverage separately.

Medicare Advantage Extras

Medicare Advantage plans offer coverage in addition to Original Medicare.  These will vary from carrier to carrier, and some may be free while others come with an added premium.  We are  here to help you find the plan that is most beneficial to you, with your individual needs in mind.
You have the option each year to keep your current plan, switch to a different provider, or switch to Original Medicare.
While providers may change during the plan year, the plan will still give you access to qualified doctors for the entire year.  If your current doctor moves out of the plan, they will help you select a new doctor for the remainder of your plan year.  Then you may switch plans if you wish to follow your doctor.  If the plan allows, you may be able to see your doctor at a higher, out of network rate.
Medicare Advantage Extras

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Our mission is to make a positive difference in the lives of Medicare eligible tribal members. We help tribal members save money and receive more benefits that are available to them. We can help you, as a Medicare eligible tribal member, and the benefits that best fit your needs. We may also be able to help determine if you qualify for additional benefits and income.

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