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Understand Medicare Advantage before you choose.

Medicare Advantage, also called Part C, is another way to receive Medicare Part A and Part B benefits through a Medicare-approved private plan. Most plans include Part D drug coverage and some offer additional benefits.

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Couple turning 65 reviewing Medicare Advantage options with an advisor
Compare plan networks, costs, prescriptions, and benefits before enrolling.

What to compare

Doctors and hospitals

Check whether the providers and facilities you use are in the plan network and whether referrals are required.

Total costs

Review the premium, deductible, copayments, coinsurance, and annual out-of-pocket limit—not only the monthly premium.

Prescription coverage

Most Medicare Advantage plans include Part D. Confirm that your medications and preferred pharmacies are covered.

Additional benefits

Some plans may include dental, vision, hearing, fitness, transportation, or OTC benefits. Availability and limits vary.

Important: You must have Part A and Part B to join, and you continue paying the Part B premium. Medicare Advantage and Medigap are different types of coverage and generally are not used together.

How Gala Health can help

We can review Medicare Advantage plans we represent in your county using your doctors, prescriptions, budget, and benefit priorities.

Compare represented plans

Gala Health does not offer every plan available in your area. Plan availability and benefits vary by county, eligibility, carrier, and plan year. Contact Medicare.gov or 1-800-MEDICARE for information about all options.

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TURNING 65 AND CHOOSING MEDICARE

A Medicare Advantage checklist for people turning 65

If you are turning 65, your Medicare Initial Enrollment Period generally lasts seven months: the three months before your birthday month, your birthday month, and the three months after. Before comparing Medicare Advantage plans for the first time, confirm your Part A and Part B effective dates.

Start about three months before your 65th birthday

Create a list of doctors, hospitals, prescriptions, pharmacies, travel needs, and the benefits you use most.

Compare Original Medicare and Medicare Advantage

Consider provider freedom, networks, referrals, drug coverage, premiums, cost-sharing, and the annual out-of-pocket maximum.

Verify details before enrolling

Check every provider and medication directly against current plan information for your ZIP code and county.

Common Medicare Advantage plan types

HMO plans

Usually use a defined provider network and may require referrals for specialists.

PPO plans

Often allow out-of-network care at a higher cost and typically do not require referrals.

Special Needs Plans

SNPs serve people who meet specific eligibility criteria, such as certain chronic conditions or dual Medicare-Medicaid eligibility.

Other plan types

PFFS and Medical Savings Account plans may be available in some areas and follow different rules.

Turning 65 Medicare Advantage FAQs

Do I lose Medicare if I choose Medicare Advantage?

No. You remain enrolled in Medicare, but receive Part A and Part B benefits through the Medicare Advantage plan.

Can a Medicare Advantage plan have a $0 premium?

Some plans do, but you generally continue paying the Part B premium, and other deductibles, copayments, or coinsurance may apply.

Will my plan work while traveling?

Emergency and urgent care are covered as required, but routine out-of-area access depends on the plan type and network rules.

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