Understanding Medicare Advantage Insurance Plan – A Comprehensive Guide

Medicare Advantage Insurance plan or Medicare Part C provides eligible people an alternative way to receive their Medicare benefits. Private insurance companies affiliate with Medicare to provide these plans. Medicare Advantage program offers a range of benefits beyond what Original Medicare provides. 

What Are Medicare Advantage Insurance Plans?

There was a gap in the traditional Medicare program Part A and B, which Medicare Advantage plans are designed to fulfill. When you enroll in a Medicare Advantage insurance program, you essentially choose a bundled insurance policy that covers your –

  • Hospital (Part A) 
  • Medical (Part B) expenses [often includes prescription drug coverage (Part D)]

Jason Rubin Insurance Services LLC has been offering Medical Insurance policies around California for more than 15 years. Clients receive the best Medicare insurance coverage customized to their needs. 

How Do Medicare Advantage Insurance Plans Work?

Medicare Advantage policy operates within a network of healthcare providers. When you enroll in one of these plans, you typically choose a primary care physician (PCP) from the plan’s network. Your PCP will coordinate your healthcare and provide referrals to specialists as needed.

Here are some key points on how the Medicare Advantage program works:

  1. Premiums: Many Medicare Advantage plans have lower monthly premiums than Original Medicare, making them an attractive option for budget-conscious individuals. However, you must still pay premium for Medicare Part B.
  2. Coverage Options: These plans often include extra benefits such as dental, vision, hearing, and fitness programs. Some plans may even cover services like transportation to medical appointments.
  3. Networks: The Medicare Advantage program typically includes a list of provider networks. You must mandatorily choose healthcare providers within the plan’s network to get full coverage. Some plans offer an out-of-network range but at higher costs. 
  4. Drug Coverage: Most Medicare Part-C programs include prescription drug coverage (Part D). You will not need to purchase a separate Part D plan if a Medicare Advantage scheme with drug coverage is chosen.
  5. Annual Changes: The Medicare Advantage scheme can be modified every year, so ensure to review your plan annually during the Open Enrollment Period (October 15 to December 7).

Factors to Consider While Choosing a Medicare Advantage Program

Selecting the right Medicare Advantage plan requires careful consideration of several factors:

  1. Coverage Needs: Assess your healthcare needs, including prescription drugs, and choose a plan that best meets them. Look at the plan’s coverage for specific services like dental, vision, and hearing if these are essential to you.
  2. Provider Network: Ensure the chosen plan’s network includes your preferred healthcare providers, doctors, and hospitals. Out-of-network care results in higher costs [from your pocket].
  3. Costs: Compare different plans from several private insurance providers [monthly premiums, deductibles, copayments, and coinsurance]. Consider your budget and how these costs will fit in with your financial situation.
  4. Prescription Drugs: Ensure that the plan’s drug formulary includes your medications and that the pharmacy network is convenient.
  5. Quality Ratings: Medicare publishes star ratings for Medicare Advantage plans. These ratings can provide insights into a plan’s quality and customer satisfaction.


Medicare Advantage Insurance Plans is a valuable alternative to traditional Medicare because it provides comprehensive healthcare coverage with extra benefits. Consider your healthcare needs, financial situation, and preferences when choosing a plan. 

Review your plan annually during the Open Enrollment Period to ensure it continues to meet your requirements. It will help you make an educated decision helping to secure the best healthcare coverage for your needs.