What must Medicare Advantage plans provide at a minimum?

Medicare Advantage plans, also known as Medicare Part C, are required to offer at least the same benefits that are provided under traditional Medicare, which consists of Part A (hospital insurance) and Part B (medical insurance). This requirement ensures that beneficiaries who choose a Medicare Advantage plan do not receive fewer benefits than what they would otherwise be entitled to under traditional Medicare.

While Medicare Advantage plans can offer additional benefits beyond those provided by traditional Medicare, such as vision, dental, and wellness programs, the core coverage must be equivalent to that of traditional Medicare. This requirement serves to protect beneficiaries by guaranteeing access to essential healthcare services while allowing for variations in plan offerings to meet diverse needs.

The other options suggest different requirements or benefits that Medicare Advantage plans must provide but do not align with the fundamental requirement for these plans. Higher coverage limits, exclusive benefits, and a focus solely on preventive services do not encompass the basic obligation of these plans to cover all services included in traditional Medicare. Therefore, offering the same services as traditional Medicare is a fundamental stipulation for Medicare Advantage plans.