Speak with a licensed insurance agent

1-855-398-0716

TTY user 711 Mon-Fri : 8am-9pm EST

Medicare Part C

Reviewed by Russell Noga, Licensed Medicare Insurance Broker (all 50 states) — Last updated October 8, 2026

Medicare Part C, also called Medicare Advantage, lets you get your Part A and Part B benefits through a private insurer approved by Medicare, usually with drug coverage included. The average 2027 premium is $12 a month.

About 34 million people are projected to be in Medicare Advantage in 2027, about 47% of Medicare. Every plan has a yearly out-of-pocket maximum.

See Medicare Advantage 2027.

✔ Licensed in all 50 states
✔ Based on CMS 2027 data
✔ Free plan comparison

Key Highlights

✔

Private plans approved by Medicare.

✔

Average premium $12.

✔

Out-of-pocket maximum on every plan.

✔

Annual Enrollment runs October 15 to December 7, 2026.

Compare plans and enroll online

Part C at a Glance

$12 a Month

Average 2027 Medicare Advantage premium, down from $14.37 in 2026 (CMS).

About 34 Million

People CMS projects will be in Medicare Advantage in 2027, about 47% of Medicare.

About 5,532

Medicare Advantage plans nationwide for 2027, nearly flat from 5,553.

8 in 10

Members who can keep their current plan at the same or a lower premium (CMS).

Plan Types

HMO Plans

✔

Usually lower premiums and copays

✔

Use in-network doctors except emergencies

✔

May need referrals for specialists

PPO Plans

✔

See out-of-network doctors at a higher cost

✔

Usually no referrals needed

✔

More flexibility if you travel

Special Needs Plans (SNPs) are Medicare Advantage plans built for specific groups. Benefits, networks and drug lists are designed around the members they serve, and many include care coordinators. For 2027, Special Needs Plans are one of the few areas where large insurers are adding plans, even as they cut PPOs.

Type Who Qualifies What Is Different
Dual Special Needs Plan (D-SNP) People with both Medicare and Medicaid Coordinates both programs; often very low costs and added benefits
Chronic Condition SNP (C-SNP) People with qualifying conditions such as diabetes, heart failure or chronic lung disease Doctors, drugs and programs built around the condition
Institutional SNP (I-SNP) People living in a nursing home or who need that level of care at home Care delivered where the member lives
What is Medicare Advantage

Find & Compare Plans Online

Speak with a licensed insurance agent

1-855-398-0716TTY 711

Mon-Fri: 8am-9pm ET

How Medicare Advantage Works

Medicare Advantage, also called Part C, is a way to get your Medicare benefits through a private insurance company approved by Medicare. The plan covers everything Original Medicare Part A and Part B cover, except hospice care, which Original Medicare still pays. Most plans also include Part D drug coverage, and many may add extras such as routine dental, vision and hearing benefits.

In exchange, Medicare Advantage plans generally use networks of doctors and hospitals, and may require referrals or prior authorization for some services. Every Medicare Advantage plan has a yearly out-of-pocket maximum for covered medical care, which Original Medicare does not have. You keep paying your Part B premium, plus your plan’s premium if it has one.

Feature HMO PPO
Out-of-network care Not covered except emergencies and urgent care Covered at a higher cost
Referrals for specialists Usually required Usually not required
Premiums Usually lower Usually higher
Out-of-pocket maximum In-network limit In-network limit plus a higher combined limit
Best for Lower costs, local care Flexibility, travel, keeping specific doctors

Benefits Plans May Include

Medicare Advantage Plans May Include

✔

Hospital and medical coverage, the same as Original Medicare Part A and B

✔

Part D prescription drug coverage on most plans

✔

Routine dental, vision and hearing benefits

✔

Fitness programs and over-the-counter allowances

✔

Telehealth visits and care coordination programs

✔

A yearly out-of-pocket maximum on every plan

Not all plans offer all benefits. Benefits vary by plan and county and can change for 2027. Check each plan’s Evidence of Coverage before you enroll.

How to Compare

How to Compare

1

Read your Annual Notice of Change. It lists every change to your current plan for 2027.

2

Check your doctors and hospitals. Confirm each provider is in the 2027 network, not just the 2026 one.

3

Check your prescriptions. Confirm each drug, its tier and any prior authorization or step therapy rules.

4

Compare total yearly cost. Add the premium, typical copays and drug costs, and look at the out-of-pocket maximum.

5

Check star ratings. Medicare rates plans from 1 to 5 stars on quality and service.

6

Enroll by December 7. Your new coverage starts January 1, 2027.

How Medicare Advantage differs from original Medicare

Enrollment Periods

Enrollment Period Dates What You Can Do
Annual Enrollment Period October 15 to December 7, 2026 Join, switch or drop a Medicare Advantage or Part D plan for January 1, 2027
Medicare Advantage Open Enrollment January 1 to March 31, 2027 If you are in Medicare Advantage, switch to another plan or return to Original Medicare once
Initial Enrollment Period 7 months around your 65th birthday month Sign up for Medicare and choose your first plan
Special Enrollment Periods Varies Change plans after events like moving, losing other coverage or your plan leaving your area

Most people make changes during Annual Enrollment. If you are happy with your current plan, you do not have to do anything; it renews automatically. Still, read your Annual Notice of Change, because premiums, copays, networks and drug lists can all change on January 1.

Reading Your Annual Notice of Change

Check Every Line

✔

Your 2027 premium and deductible

✔

Copays for doctors, specialists and hospital stays

✔

The out-of-pocket maximum

✔

Updates to your formulary, drug tiers and coverage requirements

✔

Whether your doctors, hospitals and pharmacy are still in network

✔

Changes to dental, vision, hearing and other extras

Plans must send the Annual Notice of Change by September 30. It is the single most useful document you get each fall, because it tells you exactly how your plan changes on January 1.

Special Enrollment Periods

Outside the fall and early-year windows, you generally need a Special Enrollment Period to change plans. Common reasons include:

You May Qualify If

✔

Your plan is leaving your area or ending

✔

You move outside your plan’s service area

✔

You lose employer or union coverage

✔

You qualify for Extra Help or a Medicare Savings Program, or your Medicaid status changes

✔

You want to join a 5-star plan, once a year

Each Special Enrollment Period has its own time limit, so act as soon as the event happens.

Prior Authorization and Referrals

Most Medicare Advantage plans require prior authorization for some services, such as certain surgeries, advanced imaging, skilled nursing stays and some drugs. Your doctor usually requests it, but ask whether a planned service needs approval so a denial does not surprise you.

If a request is denied, you or your doctor can appeal. Medicare rules set deadlines for plans to decide, with faster deadlines when waiting could seriously harm your health.

Emergency, Urgent and Out-of-Area Care

Every Medicare Advantage plan covers emergency care and urgent care anywhere in the U.S., in or out of network, and you do not need prior approval for an emergency. Routine care away from home is a different story: HMOs generally do not cover it, while PPOs cover out-of-network care at a higher cost.

If you spend months away from home each year, ask each plan how it handles care in your second location. It is one of the most common reasons people switch plans mid-year.

Appeals and Complaints

If your plan denies a service, a drug or payment for care, you have the right to appeal. The plan’s denial notice explains how. There are several levels of appeal, starting with the plan and moving to independent reviewers.

For problems that are not about coverage, such as customer service or wait times, you can file a grievance with the plan. You can also contact 1-800-MEDICARE or your State Health Insurance Assistance Program for help.

The 2027 Part B Premium

The Part B premium is the one big number not released with the plans. CMS normally announces it in November. The 2026 Medicare Trustees Report projects a 2027 standard premium of about $209.50 a month and a deductible of about $292, up from $202.90 and $283 in 2026. You keep paying it with Medicare Advantage.

If You Miss December 7

If you miss the Annual Enrollment deadline, your current plan renews automatically for 2027, with the changes in your Annual Notice of Change. If you are in Medicare Advantage, you get one more chance from January 1 to March 31, 2027, to switch Medicare Advantage plans or return to Original Medicare and join a Part D plan.

Telehealth

Many Medicare Advantage plans may cover telehealth visits for some services, sometimes at a lower copay than an office visit. Telehealth is convenient for follow-ups and minor issues, but it does not replace confirming that your regular doctors are in network.

Pros and Cons of Medicare Advantage

Advantages

✔

Often a low or $0 premium

✔

A yearly out-of-pocket maximum

✔

Drug coverage usually included

✔

Many plans may include dental, vision and hearing benefits

✔

One card and one plan

Tradeoffs

✔

Networks; HMOs require in-network care except emergencies

✔

Prior authorization and referrals are common

✔

Copays add up if you use a lot of care

✔

Plans and networks can change every year

✔

Switching to Medigap later may require health questions

Getting Help

You do not have to compare plans alone, and you should not have to pay for help. These are the free options:

Free Help Comparing Plans

✔

Medicare Plan Finder on Medicare.gov, available any time

✔

1-800-MEDICARE (1-800-633-4227), available 24 hours a day, seven days a week

✔

Your State Health Insurance Assistance Program (SHIP), which offers free, unbiased counseling

✔

A licensed insurance agent or broker, who can compare plans from several insurers at no cost to you

Before any call, have your Medicare card, your list of drugs and doses, your doctors and your preferred pharmacies ready. It turns a long conversation into a short one.

Bottom Line

The Bottom Line

Medicare Part C bundles your coverage into one plan with a yearly cap. Compare plans in your county before December 7, 2026.

Compare plans and enroll online

Frequently Asked Questions

➤ What is Medicare Part C?

Medicare Part C is another name for Medicare Advantage. Instead of getting Parts A and B directly from the government, you get them through a private plan approved by Medicare, and many of these plans also include drug coverage and may include extras such as dental or vision.

➤ Do I still pay Part B?

Yes. Joining a Medicare Advantage plan does not replace your Part B premium, which is $202.90 a month in 2026. The 2027 amount is projected at $209.50, but the official figure is announced in November, and any plan premium is paid on top of Part B.

➤ When can I enroll in a Medicare Advantage plan for 2027?

Sign up between October 15 and December 7, 2026, for coverage that starts January 1, 2027. If you are already in a Medicare Advantage plan, you also get one chance to switch plans or return to Original Medicare from January 1 to March 31, 2027.

➤ What happens if my Medicare Advantage plan is ending?

Your plan continues to cover you through December 31, 2026, and you will receive a non-renewal notice. A Special Enrollment Period lets you choose a new plan, and you generally gain a guaranteed issue right to buy certain Medigap plans, typically within 63 days after the old coverage ends.

➤ What types of Medicare Advantage plans are there?

The main types are HMOs, which usually require in-network care, and PPOs, which let you go out of network at a higher cost. There are also Special Needs Plans for people with certain conditions or with both Medicare and Medicaid.

➤ How much does Medicare Part C cost in 2027?

The average Medicare Advantage premium is $12 a month for 2027, down from $14.37 in 2026. You still pay your Part B premium, and real costs also include copays, coinsurance and the plan’s out-of-pocket limit, which vary by plan.

➤ Does Medicare Part C include drug coverage?

Many plans do, and these are called MA-PD plans. For 2027 the average drug portion of an MA-PD premium is about $7, and the Part D out-of-pocket cap of $2,400 applies to covered drugs in plans that include drug coverage.

➤ What extras can Medicare Advantage plans include?

Plans may include routine dental, vision, hearing, over-the-counter allowances or fitness benefits, which Original Medicare does not cover. Not all plans offer all benefits, and amounts vary widely, so compare the actual coverage details rather than the headline.

➤ How many people have Medicare Advantage?

About 34 million people are projected to be enrolled in Medicare Advantage in 2027, which is about 47% of everyone with Medicare. They can choose from about 5,532 plans nationwide, though the number available in any one county is much smaller.

Have Questions?

Speak with a licensed insurance agent

1-855-398-0716

TTY users 711

Mon-Fri: 8am-9pm ET

Find & Compare Plans Online

Speak with a licensed insurance agent

1-855-398-0716TTY 711

Mon-Fri: 8am-9pm ET

ZRN Health & Financial Services, LLC, a Texas limited liability company