Medicare Advantage Plus

All-in-One Medicare Coverage with Extra Benefits

Medicare Advantage (Part C) is a comprehensive alternative to Original Medicare, combining hospital, medical, and often prescription drug coverage into a single, easy-to-manage plan.


If you're looking for a cost-effective way to get more from your Medicare benefits, Medicare Advantage Plus might be the perfect solution.

Types of Medicare Advantage Plans

There are different types of Medicare Advantage plans, each with varying networks and benefits:

HMO (Health Maintenance Organization)

Lower costs but requires using in-network providers.

PPO (Preferred Provider Organization)

More flexibility to see out-of-network providers.

PFFS (Private Fee-for-Service)

Set rates for services, allowing more provider choice.

SNP (Special Needs Plan)

Tailored coverage for specific health conditions.

What Is Medicare Advantage Plus?

Medicare Advantage plans are offered by private insurance companies approved by Medicare. These plans cover everything that Medicare Part A and Part B do, with added benefits such as:



  • Prescription drug coverage (Part D)
  • Vision, dental, and hearing care
  • Wellness programs and fitness benefits
  • Transportation to doctor visits
  • $0 premium options available (depending on location and eligibility)

Who Is Eligible for Medicare Advantage?

To qualify for Medicare Advantage:


  • You must be enrolled in Medicare Part A & Part B.
  • You must live in the plan’s service area.
  • You cannot have End-Stage Renal Disease (ESRD) unless you meet specific criteria.

Medicare Advantage vs. Original Medicare

Feature Original Medicare (Parts A & B) Medicare Advantage Plus
Doctor Network Any provider nationwide Network restrictions may apply
Prescription Drugs Not included Often included
Dental & Vision Not covered Included in many plans
Out-of-Pocket Costs No yearly limit Cap on out-of-pocket expenses
Additional Benefits None Wellness programs, transportation, and more

How Much Does Medicare Advantage Cost?

Many Medicare Advantage plans have $0 monthly premiums, but costs may include:


Part B Premium: Must still be paid (typically $164.90/month).

Copays & Coinsurance: Varies based on services and providers.

Out-of-Pocket Maximums: Annual cap to protect against high costs.

Why Choose Medicare Advantage Plus?

  • Lower out-of-pocket costs compared to Original Medicare.
  • All-in-one coverage simplifies healthcare management.
  • Extra benefits for dental, vision, and wellness.
  • Prescription drug coverage included in most plans.

When Can You Enroll?

  • Initial Enrollment Period (IEP): Starts 3 months before turning 65.
  • Annual Enrollment Period (AEP): October 15 – December 7 each year.
  • Medicare Advantage Open Enrollment (OEP): January 1 – March 31 (switch plans or return to Original Medicare).
  • Special Enrollment Period (SEP): Available for qualifying life events.

Find the Right Medicare Advantage Plan for You

Choosing the right Medicare Advantage Plus plan depends on your healthcare needs, prescription drug requirements, and provider preferences. Our team at Insured Carolina will guide you through the process to ensure you get the best coverage for your lifestyle and budget.