Medicare Part C (Medicare Advantage) must cover all services that are covered under Medicare Part A and B of Original Medicare. Most Medicare Advantage plans will include additional benefits not provided under Original Medicare such as dental, vision, hearing, gum membership, over the counter items, and more.
Prescription Drugs are covered by most Medicare Advantage Plans, however there are plans that do not cover Prescription Drugs. Those Medicare Advantage Plans that do not provide Prescription Drug coverage may allow a stand-alone Prescription Drug Plan to be purchased in addition to the Medicare Advantage Plan.
Some Medicare Advantage Plans offer Dental, Vision, and Hearing benefits. Since, Medicare Advantage is allowed to offer coverage equal to or greater than Original Medicare, many extra benefits have been built into the Medicare Advantage Plans. Some of the Medicare Advantage Plans offer gym memberships, a subsidy for over-the-counter medications and vitamins as well as other benefits. Many plans will even offer transportation assistance.
Medicare Part C (Medicare Advantage) plans cover the following preventative care services:
To enroll in Medicare Part C (Medicare Advantage) you must have both Medicare Part A and Medicare Part B to be eligible for a Medicare Advantage Plan. If, you cancel your Medicare Part A or B then your Medicare Advantage Plan would be cancelled.
Enrollment for Medicare Advantage can happen after you receive your Medicare Card. You are able to enroll in a Medicare Advantage Plan 3 months prior to your 65th Birthday, the month of your 65th Birthday, and 3 months after your 65th Birthday. After, that enrollment period is over you are able to enroll in a Medicare Advantage Plan every year during October 15th - December 7th. There are also, Special Election Periods that occur throughout each year that will allow you to enroll in a Medicare Advantage Plan.
The only health question that can disqualify you from enrolling in a Medicare Advantage is, "Do you have End-Stage Renal Disease?" Unless you develop End-Stage Renal Disease while on a Medicare Advantage plan, you will not be able to select this coverage.
However, as of 2021 this health question can no longer be asked and there will no longer be any health screening questions. You can have a serious illness, in the middle of cancer treatments, or in the hospital and you will be able to change your enrollment for Medicare Advantage during the Annual Enrollment Period, which is October 15th - December 7th of every year.