AARP Medicare Advantage plans 2025 , also known as Medicare Part C, is a type of health insurance plan in the United States that provides Medicare benefits through private-sector health insurers. It includes not only Part A (Hospital Insurance) and Part B (Medical Insurance), but often also includes Part D (prescription drug) coverage. This program was established to offer seniors more options concerning their health coverage.

One key feature of Medicare Advantage is its offering of all-in-one bundled plans. This can include health, dental, vision and hearing benefits that surpass those offered by Original Medicare (Parts A and B). Typically, Part D (prescription drug) coverage is also included. It’s like having a one-stop-shop for all your health insurance needs, making Medicare Advantage a popular choice for many eligible beneficiaries.

When we talk about costs, they can vary significantly among Medicare Advantage plans. However, many of these offer lower out-of-pocket expenses than Original Medicare. Although you’ll continue to pay your Part B premium, some Medicare Advantage Plans may have a monthly premium as low as $0. Be mindful though, as a lower premium often means higher out-of-pocket costs when you need care.

Medicare Advantage Plans are required to set an annual out-of-pocket maximum. Once you reach this limit, you won’t pay anything for covered services for the rest of the year. This financial protection does not come with Original Medicare and offers peace of mind to those with health conditions that require frequent treatment.

Enrollment in Medicare Advantage requires that you’re already enrolled in Medicare Parts A and B. Most people are eligible for Medicare when they turn 65, but certain conditions can also allow younger people to qualify. Once in the program, you can select a Medicare Advantage plan through the Medicare Plan Finder tool or by calling Medicare directly.

Switching between plans or back to Original Medicare can also be done annually during the open enrollment period from October 15 to December 7. If you’re unhappy with your plan, this period offers the opportunity to make changes effective the next year.

Overall, Medicare Advantage is an increasingly popular choice among Medicare beneficiaries due to its inclusive coverage options and potential for lower out-of-pocket costs. It provides an excellent alternative to Original Medicare, particularly for individuals who would prefer to have prescription drug, dental, hearing, and vision coverage bundled in their plan. As with any healthcare decision, it’s crucial to consider personal healthcare requirements, budget, and available options before choosing a plan.