4 key benefits of choosing Medicare Advantage
Choosing the right coverage doesn't have to be complicated. Here is what you need to know about Medicare Advantage.
Medicare Advantage (Part C) plans from Blue Cross and Blue Shield (BCBS) companies provide a compelling alternative to Original Medicare, combining comprehensive coverage with added benefits.
Medicare Advantage is the preferred choice for America’s seniors. More than half of the Medicare population—35 million people—choose Medicare Advantage because it delivers lower costs, better benefits, more choices and access to higher quality care.1 When seniors choose Medicare Advantage, they stick with it.
What is a Medicare Advantage plan?
Medicare Advantage plans are offered by private health insurance companies, such as BCBS companies. These health insurance plans cover everything Original Medicare does—Part A (hospital insurance) and Part B (medical insurance)—and often include additional services such as:
- Prescription drug coverage
- Vision, hearing and dental benefits
- Wellness programs and fitness memberships
- Over the Counter (OTC) discount cards or rebates on Part B premiums
Why Medicare Advantage may be the right choice for you
- All-in-one convenience: Medicare Advantage plans bundle hospital, medical and prescription drug coverage into one plan. Most include telehealth services, so you can get care from the comfort of home.
- Budget-friendly, predictable costs: Unlike Original Medicare, these plans come with an annual out-of-pocket maximum. You can plan ahead and feel more confident about your health care spending.
- Access to trusted providers: With a BCBS Medicare Advantage plan, you’ll get access to a wide network of physicians and hospitals. Whether you want an HMO, PPO or another plan type, there’s an option that can fit your lifestyle.
- Patient-centered care: Medicare Advantage plans take a whole health approach. From preventative services to coordinated care, it’s designed to help you maintain a healthy lifestyle.
The Value of Medicare Advantage
Medicare Advantage delivers lower costs, more choices, and better access to care for over 35 million Americans. Let’s keep it strong and stable.
Before you enroll: Costs, coverage & eligibility
- Premiums and cost sharing: You’ll still pay your Medicare Part B premium, and some plans may have additional monthly premiums, deductibles or copays.
- Medicare plan variability: Benefits and costs can change annually, so it’s important to review your plan each year.
- Medicare eligibility: Most people become eligible at age 65, but other criteria may apply. Learn who is eligible for Medicare.
New to Medicare? Learn about additional Medicare coverage options
Frequently asked questions about Medicare Advantage
Medicare Advantage plans are a growing, trusted alternative to Original Medicare. They often include additional benefits like vision, dental and hearing coverage. Some plans even include extras such as gym memberships and wellness programs. These extra benefits make Medicare Advantage an attractive option for many.
A standout feature of Medicare Advantage plans is the out-of-pocket maximum, which acts as a safety net to protect you from high medical costs.
Qualifying for a Medicare Advantage plan requires enrollment in both Medicare Part A and Part B. This is essential as these plans complement the original coverage.
The enrollment process involves specific time frames to sign up or make changes. Key periods include the Initial Enrollment Period, Annual Election Period and Special Enrollment Periods.
Many Medicare Advantage plans offer dental coverage, including preventative services, as a supplemental benefit. Dental coverage is not typically covered by Original Medicare (Part A and B).
Medicare Advantage plans from BCBS companies offer a robust, flexible and cost-effective way to manage your health care needs. Whether you're looking for comprehensive coverage or added benefits, BCBS has a plan that can work for you.
Find the Best Medicare Plan for You
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Medicare overview information on this website was developed by the Blue Cross and Blue Shield Association to help consumers understand certain aspects about Medicare. Viewing this Medicare overview does not require you to enroll in any Blue Cross Blue Shield plans. Plans are insured and offered through separate Blue Cross and Blue Shield companies. Medicare Advantage and Prescription Drug Plans are offered by a Medicare Advantage organization and/or Part D plan sponsor with a Medicare contract. Enrollment in these plans depends on the plan’s contract renewal with Medicare. To find out about premiums, benefits and terms for these plans and other insurance options, how to apply for coverage, and for much more information, reach out to your local BCBS company. Each Blue Cross and Blue Shield company is responsible for the information it provides. For more information about Medicare, including a complete list of plans available in your area, please contact the Medicare program at 1.800.MEDICARE (TTY users should call 1.877.486.2048) or visit www.medicare.gov.
Medicare has neither reviewed nor endorsed this information.
Sources:
- Centers for Medicare & Medicaid Services. (n.d.). Medicare Enrollment Dashboard.
- Medicare Advantage Majority. (2025, May 20). New national poll reaffirms America’s seniors overwhelmingly support Medicare Advantage.
- BCBSA-Morning Consult Poll among 20,083 registered voters, conducted May 15-26, 2025.
- Medicare Advantage Majority. (n.d.) Poll: Seniors’ views on Medicare Advantage.