With a Medicare Advantage plan, you will use the plan’s network of providers, which is usually local (by your zip code.) You will pay co-payments when you receive healthcare services. Each plan sets its own cost-sharing. For example, you might pay a small copay for a primary care doctor visit, and perhaps a higher copay to see a specialist. Likewise, you may have co-pays for different procedures, tests, and/or labs. Advantage plan benefits may change every year. In September, you will receive a packet from your Part C insurance company telling you what is changing. The plan’s benefits, formulary, pharmacy network, provider network, premium and/or co-payments and co-insurance may change on January 1 of each year. Another good reason to have an agent on your side.