Medicare Part C.Medicare Advantage.

It depends on the plan. Many Medicare Advantage plans use provider networks, so it’s important to check whether your specific doctors and hospitals are in-network before you enroll — and to re-check each year, since networks can change.

Many plans include it, but not all do. When a plan includes drug coverage, the medications covered, the pharmacies, and the tiers can vary — so it’s worth reviewing how a plan covers your specific prescriptions.

Yes. Plans can change their benefits, costs, provider networks, and drug coverage from year to year. The plan that fit last year may not fit this year, which is why it’s worth reviewing your coverage annually.

It’s the most you’d pay out of pocket for covered Part A and Part B services in a plan year. Medicare Advantage plans include this yearly limit; once you reach it, the plan generally covers those services for the rest of the year. Premiums and prescription costs are usually counted separately.

Sometimes — but it may depend on timing and medical underwriting. In many situations, moving from Medicare Advantage to a Medigap plan later isn’t guaranteed, because a supplement can require health questions outside certain protected windows. It’s worth understanding these rules before you choose.