Which statement about Medicare Advantage (Part C) is true?

• A. It covers only Part A and B services
• B. It is completely separate from private insurers
• C. It includes all Part A, B, and usually Part D, with premiums through private insurer
• D. It excludes drug coverage

Answer: (C)

Medicare Advantage plans are private plans approved by Medicare that provide all Part A and Part B benefits, and they almost always include prescription drug coverage (Part D) within the plan. These plans are offered by private insurers under contract with Medicare, and you pay a single premium to the insurer for the plan (in addition to your Part B premium to Medicare). This arrangement means you receive hospital and medical coverage through the MA plan, with most plans also covering drugs, rather than sticking with Original Medicare alone. The statement is accurate because it captures that these plans bundle Parts A, B, and typically Part D, delivered through private insurers.