Medicare Advantage plans, also called Part C of Medicare, are private plans that pay instead of original Medicare. Most Medicare Advantage plans today have either an HMO or PPO network. Generally, members must choose a primary doctor from the plan network for their healthcare. In return, they can get access to lower premiums and, in many plans, a built-in Part D benefit. There are Medicare Advantage plans with monthly premiums as low as $0. You won’t pay anything more than what you already pay for Part B. These plans can also include minor ancillary benefits, such as minor routine dental and vision care.