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What’s the Average Cost of Medicare Part C?

The average premium for a Medicare Part C plan (also known as Medicare Advantage) was $35.55 per month in 2018.1

Medicare Advantage plans are sold by private insurance companies. Part C plan costs can vary depending on several factors, including what plan you have and where you live.

This guide shows the average cost of Medicare Part C plans in each state. To learn more about Medicare Advantage plans in your state, visit MedicareAdvantage.com.

A woman smiles as her doctor fills out a prescription

How Much Does Medicare Part C Cost in Each State?

The chart below shows the average monthly premium for Medicare Part C plans in 2018.1

  • Florida Medicare Advantage plans had the lowest monthly costs, with average premiums of $3.34 per month in 2018.
  • Minnesota Medicare Advantage plans had the highest monthly costs. Average Part C premiums in Minnesota were $131.73 per month in 2018.

*Medicare Advantage is not sold in Alaska, and data was not made available for Wyoming or Washington, D.C.   

State Monthly Cost Rank from least expensive (1) to most expensive (48)
Alabama $22.99 15
Alaska No plans available N/A
Arizona $8.63 3
Arkansas $26.46 19
California $32.87 25
Colorado $19.98 13
Connecticut $39.20 28
Delaware $38.68 27
Washington D.C. Data not available N/A
Florida $3.34 1
Georgia $17.01 11
Hawaii $88.10 45
Idaho $63.46 39
Illinois $20.15 14
Indiana $25.97 17
Iowa $7.62 2
Kansas $15.34 9
Kentucky $48.58 32
Louisiana $8.88 4
Maine $16.82 10
Maryland $60.41 37
Massachusetts $96.58 46
Michigan $53.48 35
Minnesota $131.73 48
Mississippi $23.83 16
Missouri $10.96 8
Montana $68.42 43
Nebraska $10.94 7
Nevada $10.45 6
New Hampshire $34.32 26
New Jersey $26.09 18
New Mexico $29.04 21
New York $46.89 31
North Carolina $50.10 34
North Dakota $104.04 47
Ohio $30.23 23
Oklahoma $32.53 24
Oregon $61.01 38
Pennsylvania $78.60 44
Rhode Island $41.85 29
South Carolina $29.35 22
South Dakota $66.97 41
Tennessee $42.72 30
Texas $10.11 5
Utah $27.40 20
Vermont $17.10 12
Virginia $49.32 33
Washington $67.53 42
West Virginia $54.37 36
Wisconsin $66.11 40
Wyoming Data not available N/A

Some Medicare Part C plans offer $0 premiums, though $0 premium Medicare Advantage plans aren’t available in all areas.

What Other Costs Do Medicare Advantage Plans Have in 2019?

Part C plans may also include costs such as deductibles and coinsurance (or copayments).  

  • A deductible represents the amount of money you must pay out of your own pocket for covered services during a calendar year before your Medicare Advantage plan coverage kicks in. Some Medicare Advantage plans may offer a $0 deductible.
  • Coinsurance or copayments are the portion of the bill that you must pay for covered services after you meet your annual deductible. Coinsurance is generally a percentage of the bill while copayments are typically a flat fee.

Does Medicare Part C cover Prescriptions?

Most Medicare Advantage plans include prescription drug coverage.

Medicare Advantage plans must offer at least the same benefits that are covered by Medicare Part A (hospital insurance) and Part B (medical insurance). Medicare Advantage plan carriers are able to also offer extra benefits that Original Medicare (Part A and Part B) don’t cover.

In addition to prescription drug coverage that is offered by many plans, some Part C plans may also cover some or all of the following:

  • Routine dental care
  • Vision exams and coverage for eyeglasses
  • Routine hearing care and coverage for hearing aids
  • Fitness memberships
  • Home modifications to aid with aging in place, such as bathroom grab bars
  • Non-emergency medical transportation, such as rides to the doctor’s office

Not all benefits are available in all plans — benefits can vary widely and plans in your area may not offer the benefits above.

Do I Need Part C of Medicare?

Your health coverage needs may vary based on the types of health care services you anticipate needing in the coming year. You may also want to consider what works with your budget.

It’s important to note that Medicare Advantage plans and Medicare Supplement Insurance (Medigap) are not the same thing. You cannot have a Medicare Advantage plan and a Medigap plan at the same time.

Visit MedicareAdvantage.com to learn more about Medicare Advantage plan costs in your area.

 

1 MedicareAdvantage.com’s internal analysis of CMS Medicare Advantage landscape source files, May 2018. Data retrieved from https://www.cms.gov/Medicare/Prescription-Drug-Coverage/PrescriptionDrugCovGenIn. 

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