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How does Medicare Advantage work?

Medicare Advantage permits Medicare beneficiaries to receive health care through managed care plans (e.g., HMOs) and private fee-for-service plans. When you join a Medicare Advantage plan (also known as Medicare Part C), you may be able to save money on your health-care costs, and you may get additional benefits not found in original Medicare. To enroll in Medicare Advantage, you must be covered under both Medicare Part A and Medicare Part B.

Unfortunately, not all plans are available in all areas. To learn about what options are available in your region, call (800) MEDICARE or visit the Medicare website at

Note: Under the health-care reform laws passed in 2010, government payments to Medicare Advantage plans will be significantly cut over the next 10 years. It is possible that because of this budget squeeze, those plans may stop offering certain benefits or stop offering the plan altogether.