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Important Medicare disclaimer: We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1‑800‑MEDICARE to get information on all of your options.
Not connected with or endorsed by the United States government or the federal Medicare program. Maru Insurance is a licensed independent insurance agency. Enrollment in a plan may be limited to certain times of the year.
Medicare Advantage (Part C) is an alternative to Original Medicare offered by private insurers that contract with the federal government. An Advantage plan bundles your Part A and Part B coverage, usually adds Part D prescription drugs, and often includes extras such as dental, vision, or hearing. In exchange, most plans use provider networks and require you to follow plan rules. Maru is a licensed independent agency that compares the Advantage plans available in your Washington or Florida county so you can see the real trade-offs.
How Medicare Advantage works
When you enroll in a Medicare Advantage plan, you still have Medicare, but you get your Part A and B benefits through the private plan instead of directly from the government. Plans set their own networks, copays, and annual out-of-pocket maximums, and many bundle drug coverage. Because benefits and networks vary widely from plan to plan and year to year, reviewing your options each fall matters.
Advantage vs. Original Medicare with a supplement
| Feature | Medicare Advantage (Part C) | Original Medicare + Medigap |
|---|---|---|
| Provider access | Usually a plan network | Any provider that accepts Medicare |
| Drug coverage | Often included | Add a standalone Part D plan |
| Extra benefits | Often dental/vision/hearing | Not included |
| Cost structure | Copays; annual out-of-pocket cap | Predictable via supplement premium |
You cannot use a Medigap policy with a Medicare Advantage plan — they are two different paths. We explain which fits your situation.
Enrollment windows
You can join, switch, or drop a Medicare Advantage plan during your Initial Enrollment Period around age 65, the Annual Enrollment Period each fall (October 15 to December 7), and the Medicare Advantage Open Enrollment Period (January 1 to March 31). Enrollment may be limited to these times, so we help you act in the right window.
Frequently asked questions
Is Medicare Advantage free?
Can I keep my own doctors on a Medicare Advantage plan?
Do you offer every Medicare Advantage plan in my area?
What does your help cost?
Licensed independent insurance agent · WA & FL
Written and reviewed by a licensed Maru advisor. Maru Insurance is an independent agency (WA License WAOIC #1365574, FL License #G363233) representing multiple A-rated carriers across Washington and Florida.
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