What is a Medicare Advantage Plan?

Let's see how Medicare Advantage fits with Original Medicare.

Original Medicare

Original Medicare is the standard Part A and Part B coverage offered by the federal government. Part A covers inpatient hospital stays, skilled nursing facilities, hospice and some home health care. Part B includes doctor visits, durable medical equipment, mental health care, lab costs and preventive services.

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

Medicare Advantage

Medicare Advantage plans are offered through private insurance companies, such as Optima Health, and are also referred to as Part C plans. These types of plan offer the full range of benefits beyond the Medicare Part A and Part B coverage that you get from Original Medicare, and often provide additional benefits. As an extra convenience, many Medicare Advantage plans can also include Medicare Part D prescription drug coverage and important supplemental benefits.

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

Optima Medicare HMO vs. Original Medicare

To ensure all of your needs are met, the Medicare Advantage plans offered by Optima Medicare are Medicare Advantage Prescription Drug 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 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

Need Help?

If you have questions, contact us or call toll-free 1-855-434-3267 (TTY 1-800-828-1140 or 711) to speak with an Optima Medicare Advisor.

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