Susan E. Thomas CPA
How does Medicare Advantage work?

When it's time to enroll in Medicare, you can choose how you want to get your coverage. You can enroll in Original Medicare (Parts A and B) or choose a Medicare Advantage plan available in your area.

A Medicare Advantage plan is a private, all-in-one health-care plan that contracts with Medicare to provide Part A and Part B benefits. A Medicare Advantage plan covers all of the services that Original Medicare covers. Some plans offer extra coverage for expenses not covered by Original Medicare such as vision, hearing, and dental costs. Most also offer prescription drug (Part D) coverage. Several types of Medicare Advantage plans may be available, including HMOs and PPOs. There is a separate monthly premium for the Medicare Advantage plan in addition to the monthly Part B premium.

Not all plans are available in all areas. To learn about what options are available in your region, call (800) MEDICARE or visit the Medicare website at

Prepared by Broadridge Investor Communication Solutions, Inc, Copyright 2011