# Medicare Advantage (Part C)

Medicare Advantage replaces Original Medicare with a private plan (often HMO or PPO) that must cover at least what Part A and B cover, usually with networks, copays, and often Part D drugs built in.

## FAQ

- Is Medicare Advantage really free? You usually still pay the Part B premium plus copays when you use care. "$0 premium" is the plan premium only.
- Can I switch back to Original Medicare? Yes, during Annual Enrollment (Oct 15–Dec 7) or MA Open Enrollment (Jan 1–Mar 31) if already in an MA plan.
- Does it cover drugs? Most MA-PD plans include Part D; confirm before enrolling.
- Can I have MA and Medigap together? No.
- Do all doctors accept it? Only the plan network (except true emergencies).