Consider Medicare Advantage
Medicare Advantage (Part C) plans are sold by private insurance companies. These plans are everything that’s covered under original Medicare and may also include other benefits like dental [2] and vision coverage [3].
In most cases, Part C plans always have smaller monthly premiums. In fact, it’s estimated that more than half of plans have no monthly premium. This is why Part C plans are recommended as a good option for those looking for lower premium costs. This may be true if you:
- are not eligible for premium-free Part A
- need to pay late enrollment penalties for parts A and B
- have to pay an IRMAA for your Part B plan