Medicare Part C
Medicare Part C is what many people consider “additional insurance” beyond Original Medicare (Parts A & B). This additional coverage can come in one of two ways: through a Medicare Advantage Plan or a Medicare Supplement (Medigap) Plan. While both offer extra protection, they work very differently.
| Feature | Medicare Advantage (Part C) | Medicare Supplement (Medigap) |
|---|---|---|
| How it Works | A private plan that replaces Original Medicare (Parts A & B), often includes drug coverage (Part D) and extras. | Works alongside Original Medicare (Parts A & B) to help cover costs like copays, coinsurance, and deductibles. |
| Coverage Includes | Hospital, medical, and often drug coverage in one plan. May offer dental, vision, hearing, and wellness extras. | Only helps pay out-of-pocket costs from Original Medicare. Does NOT include prescription drug coverage. |
| Doctors & Hospitals | Use plan’s network (HMO or PPO). Out-of-network care may be limited or cost more. | See any provider that accepts Medicare—no network restrictions. |
| Out-of-Pocket Costs | Varies by plan. Includes copays, coinsurance, and sometimes a premium. Annual out-of-pocket maximum. | Typically, higher monthly premium, but very low out-of-pocket costs when you use services. No annual maximum. |
| Prescription Drug Coverage | Usually included (Part D). | Not included—you'll need to buy a separate Part D plan. |
| Extras | Often includes extras like dental, vision, hearing, and gym memberships. | Generally, no extra benefits beyond cost coverage. |
| Best For | People who prefer one plan with extras and are okay using a provider network. | People who want the freedom and flexibility to see any provider they want anywhere in the country. There are NO networks. |