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Medicare Advantage (Part C) is an alternative to Original Medicare offered by private insurance companies approved by Medicare. It covers all Part A and B benefits and usually adds extra benefits like dental, vision, and prescription drug coverage.

Many Medicare Advantage plans have $0 monthly premium. You still pay your standard Medicare Part B premium ($185/month in 2026). Some plans with richer benefits have a small additional premium of $20–$60/month.

You can enroll during your Initial Enrollment Period (around your 65th birthday), the Annual Enrollment Period (October 15 to December 7), or a Special Enrollment Period if you qualify due to a qualifying life event.

It depends on the plan. HMO plans require in-network providers. PPO plans allow out-of-network care at higher cost. A licensed agent will verify whether your specific doctors are in-network before you enroll.

Yes — 100% free to you. Licensed agents are compensated by insurance companies when you enroll in a plan. You never pay the agent directly. There is no obligation to enroll.

Medicare Advantage replaces Original Medicare with a bundled plan. Medicare Supplement (Medigap) works alongside Original Medicare to cover gaps like deductibles and copays. A licensed agent can explain which is better for your situation.