Medicare Advantage Plans (Part C)
What Is Medicare Advantage?
Medicare Advantage, also called Part C, is an all-in-one alternative to Original Medicare. These plans are offered by private insurers and often include prescription drugs and extra benefits like dental and vision. You still pay your Part B premium, but the plan manages your coverage.
Why Many Choose Advantage Plans
- Bundled benefits – Most plans combine medical, hospital, and prescription coverage, often adding extras like dental, vision, hearing, or wellness perks.
- Low or $0 premiums – Many Kansas Medicare Advantage plans have no premium beyond the standard Part B, keeping monthly costs manageable.
- Annual spending cap – Unlike Original Medicare, Advantage plans include an out-of-pocket maximum, so there’s a built-in limit on what you’ll pay each year.
Things to Consider
- Network restrictions – HMOs typically require in-network doctors and referrals, while PPOs allow more flexibility but may cost more out-of-pocket.
- Costs as you go – Premiums may be lower, but you’ll likely pay copays or coinsurance each time you access care or fill prescriptions.
- Annual changes – Benefits, provider networks, and drug lists can shift each year, making yearly plan reviews an important step.
Local Plan Options
We work with leading carriers in Kansas and nearby states, including Humana, UnitedHealthcare, Aetna, and Blue Cross of Kansas City. Plan availability differs by county, so what works in Wichita may not be the same in rural areas. We’ll help match you with the right option in your zip code.
Medicare Advantage vs. Medigap
Medicare Advantage usually costs less per month, but requires using a network and paying as you go. Medigap costs more upfront but offers flexibility and near-complete coverage. We’ll explain both so you can choose what fits your lifestyle and budget.
Enrollment Periods
Initial Enrollment: Around your 65th birthday.
Annual Enrollment (AEP): Oct 15 – Dec 7, effective Jan 1.
Open Enrollment (OEP): Jan 1 – Mar 31, one plan change allowed.
Special Enrollment: For life events like moving or losing employer coverage.
Medicare Advantage FAQs
Do Medicare Advantage plans cover prescriptions?
Most include Part D coverage, but not all.
Can I go back to Original Medicare?
Yes, during certain periods, though Medigap may require underwriting.
Will I lose Medicare if I join Advantage?
No. You’re still in Medicare, just receiving benefits through a private plan.
What about $0 premium plans?
You’ll still pay your Part B premium, and copays apply for services.
