Medicare Part C

How Do Medicare Part C (Medicare Advantage) Plans Work?

What is Medicare Advantage?

Medicare Advantage Plans, sometimes called "Part C" or "MA Plans," are an “all in one” alternative to Original Medicare. They are offered by private insurance companies approved by Medicare. If you join a Medicare Advantage Plan, you still have Medicare

. These "bundled" plans include Medicare Part A (Hospital Insurance) and Medicare Part B (Medical Insurance) coverage from the Medicare Advantage Plan and usually Medicare prescription drug (Part D).

Covered services in Medicare Advantage Plans

Medicare Advantage Plans cover all Medicare services. Medicare Advantage Plans may also offer extra coverage. Learn more about what Medicare Advantage Plans cover

Rules for Medicare Advantage Plans

Medicare pays a fixed amount for your care each month to the companies offering Medicare Advantage Plans. These companies must follow rules set by Medicare. However, each Medicare Advantage Plan can charge different out-of-pocket costs

. Each plan can also have different rules for how you get services, like:

  • Whether you need a referral  to see a specialist
  • If you have to go to doctors, facilities, or suppliers that belong to the plan for non-emergency or non-urgent care

These rules can change each year.

Costs for Medicare Advantage Plans

What you pay in a Medicare Advantage Plan depends on several factors. Learn about these factors and how to get cost details


Drug coverage in Medicare Advantage Plans

You usually get prescription drug coverage (Part D)

through the plan. In some types of plans that don't offer drug coverage, you can join a Medicare Prescription Drug Plan.

You can't have prescription drug coverage through both a Medicare Advantage Plan and a Medicare Prescription Drug Plan.

You’ll be disenrolled from your Medicare Advantage Plan and returned to Original Medicare if both of these are true:

  • You’re in a Medicare Advantage Plan that includes drug coverage
  • You join a stand-alone Medicare Prescription Drug Plan

How Medicare Supplement Insurance (Medigap) policies work with Medicare Advantage Plans

Medigap policies can't work with Medicare Advantage Plans.

Learn about your options related to Medigap policies and Medicare Advantage Plans



A Medicare Advantage Private Fee-for-Service plan works differently than a Medicare supplement plan. Your doctor or hospital is not required to agree to accept the plan’s terms and conditions, and thus may choose not to treat you, with the exception of emergencies.

Get Peace of Mind!

Let us help you navigate Wisconsin Medicare Advantage plans and options!

Consult with a professional Midwest Senior Select, Inc. representative for your Medicare Advantage needs at:

262-241-3662 or 800-251-3662

"Or, please complete the following form, and submit your information. You will be contacted by one of our representatives to answer any questions and give you comparison quotes with several Medicare Advantage Insurance companies.

"We do not offer every plan available in your area. Currently we represent 10 organizations which offer 61 products in your area. Please contact, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options."