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Medicare Part C Explained

What is Medicare Part C?

Part C is referred to as Medicare Advantage plans. Medicare Advantage plans are Medicare-approved private health plans. Medicare Advantage plans work differently from Supplement plans. They allow you to get all of your Part A Hospital, Part B Medical—and, sometimes, Part D Prescription Drug coverage—combined into one plan. They can also provide you with some additional benefits and services that Original Medicare does not cover.

What does Medicare Part C cover?

When enrolled in a Part C Medicare Advantage plan, you can get coverage for:

  • All services that Medicare Part A and Part B cover, except hospice care (which is covered by Medicare).
  • Additional benefits and services that Original Medicare does not cover, such as:
    • Routine hearing, dental, and vision exams.
    • Hearing aids or glasses (except for glasses following cataract surgery).
    • Emergency medical assistance while traveling outside the U.S.
    • Fitness club membership.

How much does Medicare part C cost?

Your costs when enrolled in a Medicare Advantage plan (part C) include:

  • Part A and Part B monthly premiums, if applicable.
  • Medicare Advantage plan monthly premium, if applicable.
  • Any out-of-pocket costs such as copays, deductibles, and coinsurance (these costs vary according to the plan you choose).

Medicare Advantage plans can have lower out-of-pocket costs than Original Medicare.

Can I enroll in a Medicare Part C Medicare Advantage Plan?

To join a Medicare Advantage plan, you must:

  • Be a U.S. citizen or lawfully present in the United States.
  • Be enrolled in Medicare Parts A and B. Learn when to enroll in Medicare Parts A and B.
  • Live for six months or more each year in the plan’s service area.
  • Not have permanent kidney failure (some exceptions may apply).

Why choose UPMC for Life?

UPMC for Life is a Medicare Advantage plan that’s been around for 18 years. We are more than 190,000 members strong and growing!

We offer affordable medical and prescription benefits in one easy-to-use plan. We’re committed to providing you with the high-quality health care and coverage you need so you can live your best life.

Here are just a few benefits you get with a UPMC for Life plan:

  • Part D prescription drug coverage with $0 copays for preferred generic drugs
  • Preventive dental benefits
  • Routine hearing coverage and an allowance for hearing aids (on most plans)
  • Routine vision coverage and an allowance for eyeglasses and contact lenses
  • Free membership with a participating gym
  • In-network coverage when you travel to Arizona, Florida, Georgia, North Carolina, South Carolina, and Tennessee (on HMO plans)
  • Caregiver support

Next Steps

This information is not a complete description of benefits. Call 1-866-400-5077 (TTY: 711) for more information. Out-of-network/noncontracted providers are under no obligation to treat UPMC for Life members, except in emergency situations. Please call our customer service number or see your Evidence of Coverage for more information, including the cost sharing that applies to out-of-network services. Other physicians/providers are available in the UPMC for Life network.

This information is available for free in other languages. Please call our customer service number at 1-877-539-3080 (TTY: 711).

UPMC for Life has a contract with Medicare to provide HMO, HMO SNP, and PPO plans. The HMO SNP plans have a contract with the PA State Medical Assistance program. Enrollment in UPMC for Life depends on contract renewal.

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UPMC for Life Members
Call us toll-free: 1-877-539-3080
TTY: 711

Oct. 1 through March 31:
seven days a week from 8 a.m. to 8 p.m.

April 1 through Sept. 30:
Monday through Friday: 8 a.m. to 8 p.m.
Saturday: 8 a.m. to 3 p.m.

UPMC for Life Prospective Members
Call us toll-free: 1-866-400-5077
TTY: 711

Oct. 1 through Dec. 31:
seven days a week from 8 a.m. to 8 p.m.

Jan. 1 through Sept. 30:
Monday through Friday: 8 a.m. to 8 p.m.
Saturday: 9 a.m. to 3 p.m.


Last Updated: 10/01/2020
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