What is Medicare Advantage and How Does It Work?

Medicare Advantage plans are an increasingly popular option for those looking to fund their health care in the United States. Offered by private insurance companies, these plans provide a range of coverage options, as well as additional benefits that may not be available through traditional Medicare. But what exactly do these plans cover? In this article, we’ll discuss the basics of Medicare Advantage benefits and coverage and how they differ from traditional Medicare. 

What is a Medicare Advantage Plan? 

A Medicare Advantage plan is an alternative to Original Medicare (Parts A and B). It’s offered by private insurers approved by the Centers for Medicare & Medicaid Services (CMS) and provides all the same coverage as Original Medicare plus some additional benefits like dental, vision, hearing aids, and more. The key difference between these two types of plans is that with a Medicare Advantage plan you pay a monthly premium for your coverage. This premium varies depending on your location, provider network, and other factors. 

What Does a Typical Plan Cover? 

Most Medicare Advantage plans provide some combination of the following services: hospitalization coverage; doctor visits; preventive care; prescription drugs; emergency services; lab tests; mental health care; home health care services; skilled nursing facility care; durable medical equipment (DME); ambulance services; transportation services to receive medical treatment or checkups. Some plans also offer supplemental benefits such as vision, dental, hearing aids, over-the-counter medications, fitness memberships or wellness programs. All policies vary by state so it’s important to review your specific plan’s details before signing up. 

The amount you pay out-of-pocket will depend on the type of plan you choose. Different types of plans have different cost-sharing requirements such as copays or coinsurance payments for doctor visits or prescriptions. The total out-of-pocket cost will also depend on your coverage limits—some plans may have annual deductibles or maximum out-of pocket costs that you must meet before any additional expenses are covered by insurance. 


Medicare Advantage plans can be an excellent way to save money while still receiving comprehensive healthcare coverage in the United States. With so many different types of plans available it pays to do your research before deciding which one is right for you. Be sure to consider all aspects including premiums, copays/coinsurance rates, deductibles, out-of pocket limits and any additional benefits offered under each policy before making a final decision about which one best fits your needs and budget! By understanding what each type of plan covers and what fees apply to it you’ll be able to make an informed choice when selecting a policy that works best for you!

It is important to remember that Medicare Advantage plans are not the same as Original Medicare (Part A and Part B). With an Advantage plan you are enrolling in a private health insurance policy through an insurer of your choice. Private insurers offer additional coverage for services such as vision, dental and hearing benefits, as well as prescription drug coverage. These policies can also provide extra benefits such as gym membership discounts, home health care services and more. 

It is important to pay attention to the coverage you are getting with each plan. Some plans may cover only certain types of treatments or medications, while others may offer comprehensive coverage for a wide range of medical needs. Be sure to ask questions and read the fine print of your plan to make sure you are getting the exact coverage you need.