Choosing Medicare can feel confusing, but it doesn’t have to be. Medicare Advantage, also called Medicare Part C, gives you a simple way to get all your Medicare benefits in one plan.
At Guardian Health & Wealth, we break everything down in clear, manageable steps so you can compare plans, understand your costs, and make the choice that fits your life.
Compare Medicare Advantage Plans.
Medicare Advantage is a type of plan offered by private insurance companies. These plans give you all of your Medicare Part A (hospital) and Medicare Part B (medical) benefits, plus many extra services Original Medicare does not cover. Many people choose Medicare Advantage because it combines everything into a single, affordable plan.
Most Medicare Advantage plans include much more than the basics.
| Service | Is It Covered? |
|---|---|
| Hospital Stays (Part A) | Yes |
| Doctor Visits (Part B) | Yes |
| Prescription Drugs (Part D)* | Usually |
| Dental Care | Often included |
| Vision Care | Often included |
| Hearing Care | Often included |
| Fitness Benefits | Many plans |
| Over-the-Counter Allowances | Many plans |
| Worldwide Emergency Coverage | Some plans |
Not all plans include drug coverage. Always check the plan details.
See Plans With Extra Benefits
| Requirement | What It Means |
|---|---|
| Have Part A and Part B | You must be enrolled in both |
| Live in the plan’s service area | Most plans require 6+ months of residency |
| Be a U.S. citizen or legal resident | At least 5 years |
| ESRD Eligibility | People with ESRD have been able to join plans since 2021 |
| Pay the Part B premium | This premium still applies |
To join a Medicare Advantage plan, you must meet these rules:
| Initial Enrollment (IEP) | Around your 65th birthday | Join a Part C plan for the first time |
|---|---|---|
| Annual Enrollment (AEP) | Oct 15 – Dec 7 | Add, change, or drop a plan |
| MA Open Enrollment | Jan 1 – Mar 31 | Switch plans or go back to Original Medicare |
| Special Enrollment Period (SEP) | Based on life events | Make changes anytime you qualify |
Medicare Advantage plan availability and pricing vary by county. We help people nationwide compare the options available in their ZIP code against their doctors, prescriptions, health needs, and budget.
You can only join or change Medicare Advantage plans during certain times.
| Cost Type | What to Expect |
|---|---|
| Monthly Premiums | Many plans are $0, but you must still pay your Part B premium |
| Deductibles | Some plans have $0 deductibles |
| Copays | Small fixed costs for doctor or hospital visits |
| Coinsurance | A percentage of the service cost |
| Out-of-Pocket Maximum | A yearly limit that Original Medicare does not have |
| Income-Related Charges | Higher earners may pay more for Parts B & D |
For many people, Medicare Advantage offers predictable, easy-to-manage costs.
Here’s why millions choose Part C every year:
If you want the best Medicare Advantage plans, comparing benefits and costs side by side is the smartest place to start.
Choosing a plan shouldn’t feel stressful. Our licensed advisors explain Medicare basics, break down Medicare costs, and help you compare plans clearly and confidently, always at no cost to you.
Talk to a Licensed Medicare Advisor
| Topic | Quick Answer |
|---|---|
| What is Medicare Advantage? | Part C plans from private insurance companies |
| Does it include hospital & doctor coverage? | Yes |
| Does it include prescriptions? | Usually |
| Can it include dental, vision, and hearing? | Many plans |
| When can I enroll? | IEP, AEP, MA-OEP, SEP |
| Do I still pay the Part B premium? | Yes |
| Who can help me compare plans? | Guardian Health & Wealth |
Medicare can feel complex, but you don’t have to figure it out alone. Guardian Health & Wealth is here to make it simple, safe, and stress-free.
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