What is a Medicare Advantage Plan? A Complete Guide to Medicare Part C
Alignment Health Plan is proud to offer a variety of Medicare Advantage plans designed for seniors in the counties we serve across Arizona, California, Nevada, North Carolina, and Texas. We understand that choosing the right Medicare plan is an important decision, which is why we've created a guide to help you understand your options and find the coverage that's right for you.
Whether you're new to Medicare or looking to switch from your current plan, we're here to make the process as straightforward as possible. Take a look at our Benefit Highlights and use our Plan Finder tool to search for plans offered in your area.
What is a Medicare Advantage?
Medicare Advantage plans are offered by private health insurance companies approved by Medicare that contract with the federal government to provide all your Part A (hospital) and Part B (doctor and other medical) benefits. Most Medicare Advantage plans also offer prescription drug coverage as well.
When compared to Original Medicare, there are many advantages and benefits when choosing a Medicare Advantage plan.
Medicare Advantage plans by state
Alignment Health Plan offers Medicare Advantage plans in select counties across multiple states. We understand that Medicare options can vary by location, which is why we've tailored our coverage to meet the needs of seniors in each community we serve. Our Medicare Advantage plans provide localized benefits and provider networks designed for your area.
What are the advantages of a Medicare Advantage plan?
When choosing a Medicare Advantage plan, you may select Original Medicare or Medicare Advantage, also known as Medicare Part C. Medicare Advantage plans cover all medically necessary services that Original Medicare covers. On top of these standard Medicare benefits, many Medicare Advantage plans include extra benefits such as dental care, eyeglasses, and gym or fitness benefits. Most Medicare Advantage plans include Medicare prescription drug coverage (Part D).
All-in-One Coverage Options
Original Medicare only offers hospital insurance and medical insurance. You would need to purchase a separate, standalone Medicare Part D plan for prescription drug coverage and Medigap for supplemental coverage to pay for expenses not covered by Original Medicare. With Medicare Advantage, you get everything that Original Medicare offers — and more.
Better Services and Better Value
Medicare Advantage plans provide more services, more coordinated care and more value than Original Medicare. Read more about the pros of choosing a Medicare Advantage plan when considering your Medicare options.
How to find the best Medicare Advantage plan for you
Finding the right Medicare Advantage plan doesn't have to be overwhelming. Here are the key factors to consider as you explore your options.
Coverage & Benefits
- What type of coverage do you need? Think about your current health needs and any specific services that matter most to you.
- What extra benefits would enhance your life? Look for plans that include dental, vision, wellness programs, or other perks that support your lifestyle.
- How important is prescription drug coverage? Most Medicare Advantage plans include Part D coverage built right in.
Cost Considerations
- What's your monthly budget? Monthly premiums can range from $0 to a few hundred dollars.
- How much can you handle in out-of-pocket costs? Consider yearly deductibles, copays, and your plan's out-of-pocket maximum.
- What's your total yearly health care budget? Factor in both monthly costs and potential expenses throughout the year.
Provider Network & Flexibility
- Do you have preferred doctors or specialists? Make sure they're in your plan's network.
- How important is flexibility? Decide between HMO plans (lower cost, coordinated care) or PPO plans (more provider choice).
Long-term Planning
- What are your future health care needs? Consider any chronic conditions or family health history.
- How might your needs change? Think about the kind of support and care coordination you might want as you age.
Take your time comparing options — this decision is about finding a Medicare plan that fits your life and gives you confidence in your health care coverage. Read more about the questions you should be asking to help you find the best Medicare coverage for you.
Medicare Advantage Plans with Alignment Health Plan
When choosing a Medicare Advantage plan or Original Medicare, there are a few things to consider. Before deciding on which Medicare Advantage plan is best for you, it is important to look at all the options and associated benefits and coverage costs. Whether you choose Original Medicare or Medicare Advantage, take time to review your health care needs. Visit our FAQ page for more information about Medicare Advantage plans, when you can enroll or change your plan, and more.
Look for options in your state:
Frequently Asked Questions (FAQ)
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A Alignment Health Plan offers Medicare Advantage plans in select counties and zip codes across California, Arizona, Nevada, North Carolina, and Texas. Coverage areas vary by state. Visit our online Plan Finder tool and enter your ZIP Code to see plans in your area.
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A Use our online Plan Finder tool or call us at 1-888-293-8272 (TTY: 711) to check which Alignment Health Plan Medicare Advantage plans are available in your county across California, Arizona, Nevada, North Carolina or Texas. We are available from 8:00 a.m. to 8:00 p.m., 7 days a week (except Thanksgiving and Christmas) from October 1 through March 31 and Monday to Friday (except holidays) from April 1 through September 30. You can also attend a seminar hosted by our Medicare experts to learn more about our plans in your area. To search for seminars in your area, click here.
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A Medicare Advantage plans are offered by private health insurance companies and include everything Original Medicare covers. They often add extra benefits like prescription drug coverage, dental, vision, and wellness programs — all in one plan.
Ready to find your Medicare Advantage plan?
When you're choosing a Medicare Advantage plan, it's important to find a partner who puts you first and supports you in living your best life. At Alignment Health Plan, we're committed to making your health care journey as seamless as possible.
With our 24/7 ACCESS On-Demand Concierge service, comprehensive benefits, and award-winning care, you'll have everything you need to feel confident about your health care decisions. Our plans are designed specifically with seniors in mind, offering the flexibility, affordability, and peace of mind you deserve.
Don't navigate Medicare alone. Whether you're comparing your options for the first time or looking to switch to a plan that better meets your needs, we're here to help you every step of the way.
Ready to explore your options? Use our Plan Finder tool or register to attend a seminar to see which Medicare Advantage plans are available in your area. You can also call us at 1-888-293-8272 (TTY: 711) to speak with one of our experts. We are available from 8:00 a.m. to 8:00 p.m., 7 days a week (except Thanksgiving and Christmas) from October 1 through March 31 and Monday to Friday (except holidays) from April 1 through September 30.
Let's make plans for your healthiest future.