What is a Medicare Advantage Plan?

Original Medicare is the standard hospital (Part A) and medical (Part B) individual coverage offered by the federal government. Original Medicare does not cover some routine services, such as vision and dental.

Medicare Advantage (Part C) plans are offered through private insurance companies, such as Optima Health. The plans offer a full range of benefits beyond the Part A and Part B coverage you get from Original Medicare.

As an extra convenience, many Medicare Advantage plans can also include Medicare Part D prescription drug coverage and important supplemental benefits. It eliminates the need for a Medicare Supplement (Medigap) policy.

Every Medicare Advantage plan is regulated by the government to ensure you get everything Original Medicare offers and more.


Part A: Hospital

Inpatient hospital stay
Skilled nursing facility
Hospice care
Skilled home health


Part B: Medical

Doctors services
Outpatient care
Medical supplies
Preventive services
Some drugs (specific criteria)


Part C

  • Medicare Advantage
  • Combines Parts A and B with Managed Care


Part D: Prescription Coverage

  • Prescription Drug Coverage

Optima Medicare HMO vs. Original Medicare

To ensure all of your needs are met, most of the Medicare Advantage plans offered by Optima Medicare are comprehensive plans that feature hospital, medical and prescription drug coverage all in one convenient plan. Plus, you'll get supplemental benefits and better protection from out-of-pocket costs.

Optima Medicare
(Medicare Advantage)
Original Medicare
Part A (Hospital insurance) Yes Yes
Part B (Doctor and medical insurance) Yes Yes
Part D (Prescription drug coverage) Yes*1 No
More predictable out-of-pocket costs Yes No
Dental and vision benefits Yes No
Fitness programs and wellness programs Yes No
Virtual telemedicine doctor appointments Yes No
View Plans

*1: Not applicable to Optima Medicare Classic (HMO).

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