Which statement best describes Medicare Advantage (Part C) plans?

• A. They are government-run and strictly limited to Part A and Part B.
• B. They require patients to pay for all Part A services out-of-pocket.
• C. They are private plans added to Original Medicare with no extra benefits.
• D. They are private plans that provide Part A and Part B benefits (and often Part D) with potential extra benefits.

Answer: (D)

Medicare Advantage plans are private plans that bundle Part A and Part B coverage together, typically include Part D drug coverage, and often add extra benefits beyond what Original Medicare covers, such as dental, vision, or gym memberships. These plans are offered by private insurers approved by Medicare and may have network rules, different cost-sharing, and an annual out-of-pocket maximum, which Original Medicare does not provide in the same way. The key idea is that Medicare Advantage replaces the standalone Original Medicare coverage with a private plan that delivers Part A and Part B services (and often Part D) plus additional benefits.