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Medicare Part C Explained

What is Medicare Part C?

Part C is another name for Medicare Advantage plans. With a Medicare Advantage plan, you receive your Medicare coverage through a private insurance company. Medicare Advantage plans work differently from Supplement plans. They combine your Part A Hospital, Part B Medical and, sometimes, Part D Prescription Drug coverage into one easy-to-use plan. Medicare Advantage also gives you extra benefits and services that Original Medicare doesn’t cover.

What does Medicare Part C cover?

Part C Medicare Advantage plans can give you 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, that can include:
    • 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 memberships.
    • An allowance to buy health care products.

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.

Why choose UPMC for Life?

UPMC for Life is a Medicare Advantage plan that’s been around for 19 years. We are more than 200,000 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 UPMC for Life:

  • Plans start as low as $0 per month
  • Part D prescription drug coverage with $0 copays for preferred generic drugs
  • Dental coverage for oral cleanings, exams, and x-rays, plus an allowance for comprehensive dental services
  • Vision coverage for eye exams and an allowance for eyewear or contact lenses
  • Routine hearing coverage and an allowance for hearing aids
  • Unlimited FREE gym memberships and one FREE personal training session per year
  • In-network coverage when you travel to Arizona, Florida, Georgia, North Carolina, South Carolina, and Tennessee (on HMO plans)
  • Benefits and programs that can help you live healthy and stay independent, such as bathroom safety products, in-home safety assessments, Tools for Caregivers, support for serious illness, post-discharge meals, and more

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 – March 31:
Seven days a week from 8 a.m. to 8 p.m.

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

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

Oct. 1 – Dec. 7:
Seven days a week from 7 a.m. to 9 p.m.

Dec. 8 – Dec. 31:
Seven days a week from 8 a.m. to 8 p.m.

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

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Last Updated: 10/01/2021