Glossary
Medicare Part C (Medicare Advantage)
An optional, all-in-one alternative way to get your Medicare benefits — delivered through a private plan instead of through Original Medicare.
Also known as: Medicare Advantage, MA, MA Plan, Part C
What is it?
Medicare Advantage (Part C) is a private health plan, approved by Medicare, that delivers your Part A and Part B benefits — and often Part D — through one combined plan. Most MA plans add extras like dental, vision, hearing, OTC allowances, fitness, and a Part B premium giveback. You must still be enrolled in Parts A and B to join.
Why does it matter?
For retired military on TFL, MA is an optional but powerful consideration. A veteran-focused MA plan can lower your Part B premium and add benefits that Original Medicare and TFL never include — without giving up TFL as a safety net.
When you'll encounter it
You can enroll during your Initial Coverage Election Period (around your 65th birthday) or every year during the Annual Election Period (Oct 15 – Dec 7). You can also switch during the Medicare Advantage Open Enrollment Period (Jan 1 – Mar 31).
Impact on Medicare
When you join MA, the plan — not Original Medicare — pays your providers. Your Part B premium continues to be deducted from your Social Security check, but the plan handles claims under its own rules.
Impact on TRICARE For Life
TFL remains active and becomes the secondary payer behind your MA plan, just as it does behind Original Medicare. TFL helps cover the MA plan's copays and coinsurance for services covered by both.
Impact on Medicare Advantage
MA is the consideration itself. The right plan depends on ZIP code, doctor network, drug formulary, and giveback amount.
Common misconceptions
- "Joining Medicare Advantage cancels TRICARE For Life." — False. TFL stays active automatically as long as you keep Parts A and B.
- "All Medicare Advantage plans are the same." — Plans vary by carrier, ZIP, network, drug formulary, and benefits. Veteran-focused plans (Humana Honor/USAA, UHC AARP Patriot, Aetna Eagle) are designed around military retirees.
Related lessons
Related glossary terms
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Official sources
Last reviewed January 2026 against the 2026 Medicare & You and TRICARE For Life handbooks.