Supplemental Plan C
You can get your Medicare benefits through Original Medicare, or a Medicare
Advantage Plan (like an HMO or PPO). If you have Original Medicare, the
government pays for Medicare benefits when you get them. Medicare Advantage
Plans, sometimes called “Part C” or “MA Plans,” are offered by private companies
approved by Medicare. Medicare pays these companies to cover your Medicare
If you join a Medicare Advantage Plan, the plan will provide all of your Medicare
Part A (Hospital Insurance) and Medicare Part B (Medical Insurance) coverage.
This is different than a Medicare Supplement Insurance (Medigap) policy.
What do I need to know about Medicare Advantage Plans?
There are the different types of Medicare Advantage Plans:
- Health Maintenance Organization (HMO) plans —In most HMOs, you can
only go to doctors, other health care providers, or hospitals in the plan’s network,
except in an urgent or emergency situation. You may also need to get a referral
from your primary care doctor for tests or to see other doctors or specialists.
- Preferred Provider Organization (PPO) plans —In a PPO, you pay less if you
use doctors, hospitals, and other health care providers that belong to the plan’s
network. You usually pay more if you use doctors, hospitals, and providers outside
of the network.
- Private Fee-for-Service (PFFS) plans —PFFS plans are similar to Original
Medicare in that you can generally go to any doctor, other health care provider,
or hospital as long as they accept the plan’s payment terms. The plan determines
how much it will pay doctors, other health care providers, and hospitals, and how
much you must pay when you get care.