When it comes to Medicare, many people think only of the basics: hospital coverage (Part A) and medical coverage (Part B). But if you’re looking for benefits that go beyond Original Medicare, Medicare Advantage (Part C) may offer exactly what you need. These privately managed plans often include extra perks like dental, vision, and hearing coverage—services that Original Medicare does not cover.
What Medicare Advantage Covers Beyond the Basics
Medicare Advantage plans must cover everything Original Medicare does, but they often go further. As of 2024, more than half of Medicare beneficiaries chose a Part C plan, and more than 97% of those plans included some form of dental, vision, or hearing benefit.
Here’s a quick breakdown of what’s typically included:
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Dental Coverage: Preventive care like cleanings, exams, and X-rays, with some plans covering more advanced work such as fillings, crowns, and root canals.
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Vision Coverage: Annual eye exams, prescription glasses, and sometimes contact lenses. Coverage may vary by provider and type of eyewear.
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Hearing Coverage: Hearing exams and hearing aids, with some plans offering limited options and others covering comprehensive care.
Because these benefits vary by plan and provider, it’s important to double-check your coverage before scheduling care.
Costs and Savings to Expect
Medicare Advantage plans are privately managed, so costs depend on the plan you choose. According to the Centers for Medicare & Medicaid Services (CMS), the average monthly premium for Part C is about $17 in 2025.
Keep in mind:
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You still must pay your Part B premium, though some Advantage plans may help cover it.
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Deductibles, copayments, and coinsurance will differ by plan.
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Plans also include an out-of-pocket maximum—a yearly cap on what you’ll spend for covered services. In 2025, the maximum for in-network services is $9,350, though many plans set lower limits.
This limit helps protect you from runaway medical bills and ensures 100% coverage after you’ve hit the cap.
Top Medicare Advantage Plans in 2025
If you’re exploring options, Healthline ranked these plans highly for 2025:
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Best Overall: Humana Gold Plus (HMO)
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Best HMO: Aetna Medicare Value Select Plan
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Best PPO: Cigna True Choice Medicare
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Best Hearing Aid Coverage: Wellcare No Premium
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Best for Snowbirds (HMO-POS): AARP Medicare Advantage from UHC
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Best for Veterans: Humana USAA Honor (PPO)
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Best for Customer Satisfaction: Anthem Medicare Advantage (Blue Cross Blue Shield)
Who Is Eligible?
You may qualify for a Medicare Advantage plan if you:
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Are enrolled in Original Medicare (Parts A and B)
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Live in the service area of the plan you want to join
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Are a U.S. citizen or lawful resident
Enrollment typically happens during the annual Medicare Open Enrollment period, beginning October 15 each year.
Bottom Line
If you need dental, vision, or hearing coverage, Medicare Advantage may be worth exploring. These plans can help cover routine services and provide valuable savings. Since benefits vary, take time to review your medical needs, compare options in your area, and—if needed—consult a Medicare advisor to find the best fit for you.
