Plan overview

Medicare Part C (Medicare Advantage)

An all-in-one alternative to Original Medicare offered by private insurers — typically bundles Parts A, B, and D plus extra benefits.

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About Medicare Part C (Medicare Advantage)

Medicare Advantage (Part C) plans are offered by private insurers under contract with Medicare. They must cover everything Original Medicare covers and they almost always include Part D drug coverage. Most plans add benefits Original Medicare does not, such as routine dental, vision, hearing, fitness, and over-the-counter allowances.

Most Advantage plans use HMO or PPO networks, which means you save money by using contracted doctors and hospitals. Plans set their own copays, coinsurance, and yearly out-of-pocket maximum — that maximum is required by federal law.

Plan availability and benefits vary by county and change every year. Each fall during the Annual Enrollment Period, you should compare your current plan against what is offered for the next year in your ZIP code.

What it covers

All Part A and Part B medical services
Prescription drugs (in most plans, called MAPD)
Routine dental cleanings, exams, and limited dental work
Routine vision exams and eyewear allowance
Routine hearing exams and hearing aid allowance
Fitness benefits such as SilverSneakers
Over-the-counter allowances and transportation to medical appointments (varies by plan)
Yearly out-of-pocket maximum required by law

What it does NOT cover

Care from out-of-network providers (HMO plans) except in emergencies
Hospice care (still billed under Original Medicare Part A)
Services Medicare itself excludes, such as cosmetic surgery

Who qualifies

You must be enrolled in both Part A and Part B and live in the plan's service area.

Cost

Many Medicare Advantage plans in New Jersey are advertised at $0 monthly premium, but you still pay your Part B premium and any plan copays. Premiums vary by county, age, household size, and plan year. Talk to a Yumi Health advisor for a personalized quote.

When you can enroll

Initial Coverage Election Period: when you first become Medicare-eligibleAnnual Enrollment Period (AEP): October 15 – December 7Medicare Advantage Open Enrollment Period (MA-OEP): January 1 – March 31 (one switch per year)Special Enrollment Periods for moves, plan changes, and qualifying events

Carriers active in New Jersey

These carriers offer this product to New Jersey residents. We shop across them to find the right fit.