Medicare Part C Advantage Plans

Confused By Medicare?

You are not alone.

A Medicare Advantage Plan (like an HMO or PPO) is another Medicare health plan choice you may have as part of Medicare. Medicare Advantage Plans, sometimes called “Part C” or “MA Plans,” are offered by private companies approved by Medicare. Depending on where you live the premium could be as low as $0 for an HMO Advantage Plan.

Click link to view the official U.S. government Medicare handbook  Medicare and You 2021

What do you need to apply for a Medicare Advantage Plan (Part C)?

You need to be enrolled in Parts A and B, live in the plan’s service area and apply during an enrollment period.

Part C combines Parts A and B, offers maximum out-of-pocket for medical expenses and may even offer prescription drug coverage.

It can include additional benefits, over-the-counter items, eye care, hearing, Silver Sneakers, tele-doctor.

Initial Enrollment Period is 7 months.

It starts 3 months before your 65th birthday month, your birthday month and 3 months after your birthday month. During that period you can sign up for an Advantage plan and or Part D plan.

You can buy a Medicare Advantage Plan (Part C) if you;

are enrolled in Parts A and B, live in the plan’s service area.

General Enrollment Period starts January 1 ends March 31.

You can sign up for Part A & B if you did not sign up when first eligible, and you’re not in an eligible Special Enrollment Period.

Open Enrollment Period starts October 15 and ends December 7.

During this period you can sign up for a plan, switch plans or leave a plan.

Special Enrollment Period depends on your situation (such as moving out of the service area).

During this period you can make changes to your Medicare Advantage Plan and Medicare Prescription drug coverage.

Medicare Advantage Open Enrollment Period starts January 1 ends March 31.

During this period you can switch Medicare Advantage Plans or leave a Medicare Advantage Plan.


Have any questions?

Check our FAQ

  • There is no cost to using a broker.
  • A broker can compare many companies and plans and explain the differences to you. A company agent only knows their plans and can only offer their plans.
  • A broker continues as an advisor to you. If your health changes and plans premiums and benefits change a broker can keep you current.
  • If you have questions or issues, your broker is an additional asset that you can rely on and understands the plan you are on.

Yes, you need both Part A and Part B to apply and live in the service area of the plan.

When you’re first eligible for Medicare, you have a 7-month Initial Enrollment Period to sign up for Part A and/or Part B.

If you’re eligible for Medicare when you turn 65, you can sign up during the 7-month period that:

  • Begins 3 months before the month you turn 65
  • Includes the month you turn 65
  • Ends 3 months after the month you turn 65

No, they do not. Advantage Plans can have different maximum out of pocket, different additional benefits and much more.

You can apply online by copying and pasting: 

Or call Social Security at: 800-772-1213

NO: If you receive COBRA benefits you are no longer working for this employer. If you wait until these benefits have expired before enrolling in Part B, you won’t qualify for a special enrollment period for Part B. Instead, you’ll likely pay late penalties, and you would be able to enroll only during the General Enrollment Period that runs from Jan. 1 to March 31 each year, with coverage not beginning until the following July 1.


To get more information to help make a good decision about your Medicare Insurance Plan or compare your present plan, call 800-641-3315 or set a phone appointment with a licensed agent.

You can also attend our Medicare Educational Online Webinar.

There is no cost to our services

Medicare Educational Event online at no cost. We will cover Parts A, B, C, D and Medicare Supplement Plans. Bring your questions to be answered.

Click to register at Medicare 101 online