Part C, the Medicare Advantage Plan, is also optional and operates like an HMO (Health Maintenance Organization) or a PPO (Preferred Provider Organization).
Part C is often referred to as the All-in-One plan.
It includes both Part A (hospital insurance) and Part B (medical insurance), so you do not have to register for those separately. You do still need to pay the Part B premium or it may be included as part of your Advantage Plan premium.
Individual plans vary but many do include Part D, prescription drug coverage.
The coverage in Part C is provided by Medicare-approved private companies and in general you must use the providers included in your particular plan. There is a premium in addition to the one you pay for Part B. The cost varies widely.
Advantage Plans cover you for services not covered under Part A or Part B. Some cover you for deductibles, coinsurance, and costs for non-covered services. Others will require that you pay these separately.
There are many different plans available. In choosing a policy you’ll want to make sure that the facilities close to your location meet your needs. You can only change once a year. The enrollment period for Part C runs from October 15 to February 14.