mEDICARE advantage

Part A is hospital insurance including: 

• Inpatient care you receive in hospitals and skilled nursing facilities
• Hospice care 
• Some home health services

Most people don't have to pay a premium for Part A.

Part B is medical insurance including: 

• Doctor visits
• Preventive health services 
• Outpatient lab tests 
• Outpatient surgeries, where you don't stay overnight in a hospital
• Ambulance
• Some durable medical equipment

Paying a monthly premium for Part B may be required.

Parts A and B do not cover routine prescription drugs, vision, dental, or hearing services, long-term hospital stays, or routine physical exams. It is advised to get a long-term insurance plan to cover long-term or routine services. 

Medicare Advantage involves paying copayments, the dollar amount you pay for medical services  or prescription drugs.  

You are restricted to a network of doctors that are under your private health insurance. 

Part D for prescription drug coverage is included within a Medicare Advantage plan. 

Free benefits are included within Medicare Advantage such as dental, vision, hearing, groceries, transportation, etc. Details of benefits varies between different private health insurance companies.

A HMO (Health Maintenance Organization) plan, requires you to stay within a network of doctors and hospitals.

A PPO (Preferred Provider Organization) plan, allows you to go in-and-out of network. But, going out of your network will cost more than staying in network.