What is a Medicare replacement?

Medicare Part C(also called Medicare Advantage)· Part C is a replacement to Part A and B(& possibly Part D) sold by United Healthcare, Blue Cross and others. Details of coverage vary by company but are similar to Medicare A and B.

· If you have Part C, you generally do not need a Medigap policy because these plans usually pay for the gaps.

· You can join a Medicare Advantage plan during the 3 months before you turn 65 until 3 months after you turn 65. You can change plans or join an Advantage plan between October 15th and December 7th of each year with a January 1 effective date.