Medicare Advantage plans are approved additional coverage by the Centers of Medicare Services (CMS) offered to you by private insurance companies.
This is an alternative to Original Medicare, where you replace Original Medicare as your "primary payer" and, instead, use the company of your choice.
Many WNY'ers have an advantage choosing an advantage plan, where both Medicare Part A and Medicare Part B, along with Medicare Part D are bundled together to create an "all-in-one" plan sometimes called, Medicare Part C.
Medicare Part C style coverage can reduce your overall out-of-pocket expenses when compared to Original Medicare by offering you fixed copays, if and when you received care.
Think of it as "pay as you go."
All Medicare Part C plans must meet Original Medicare minimum requirements, but many often exceed these baseline levels and offer you enhanced and enriched benefits, like dental, vision, hearing, gym memberships, healthy product credit cards, and much, much more.
And, unlike Medicare Supplement policies where you have "Universal Access," Medicare Advantage plans, in most cases, require you to use the doctors, hospitals, testing facilities, pharmacies, etc which are in their network.
While this may sound restrictive, as long as you do your due diligence and research and review all companies and coverage choices available to you by zip code, you will --- without a doubt --- identify more than one option that will work with your situation and scenario from a highly rated company, at a price you can afford.