The part C of Medicare is also called Medicare Advantage Plans. It is the Medicare insurance which has been offered by the private insurance companies by the permission of Medicare. You can have both of them at a time but Part A and Part B insurance coverage will be covered by the Medicare Advantage plan instead of original Medicare. It works in the same way except with some limitations. People do more from Medicare to Part C due to its advantages as it may give better coverage and also pay the expenses which may not be included in the original Medicare.
Why choose Medicare Advantage Plan?
It is true that the Medicare covers most of the health-related expenses which include the hospital insurance (Part A) and Medical insurance (Part B). There are still many services which have not been covered by the Medicare. These services included the services like vision, dental and hearing coverage etc. So, if we compare the coverage range, then indeed the Medicare Advantage plans are much better.
The MA plans come up with the extra premium which the person has to pay to the insurance company. But you can easily reduce the premium amount by selecting an insurance policy which suits most of you.
How much Medicare advantage plans cost?
The cost of this insurance plans depends on the number of different matters. But mostly, the cost depends on the monthly premium you decided to pay. If you decided to pay the high premium then the overall price will be reduced automatically. The health of the person, age, desire to visit a specific doctor, how much the doctor charge for each visit and type of health care services you needed to calculate the cost of MA Plans.
The private companies who offer the MA plans will ask these questions and many more related questions before signing a fixed cost of your plans.
The other things which can affect the cost of Medicare Advantage Plans are the reputation of the company, their service charges and how often you asked for the coverage etc. Mostly people ignore these costs where the good repudiated companies charge them most due to their popularity but return they offer best.
Medicare VS MA Plans VS Medigap
It is true that you can have both the original Medicare and MA plans at a time but you cannot have Medigap along with MA. If you choose to have medicare supplement plans, then you have to sacrifice with the MA plans where if you choose to have the MA plans, then you cannot have the Medigap at the same time. So, it could be a bit difficult for the person to decide that which insurance goes best along with the original Medicare. But by moving from one to other can help you to get the same policy in future without or with paying a little extra charge.
You can always take help from the insurance companies who offer these services and tell you the best option on the basis of your circumstances, health, and age etc.