05/27/2026
Medicare Advantage plans typically include fixed copays for most services along the way.
Primary care and lab work are often low cost or even zero, but you will usually pay copays for specialists, imaging like X-rays or MRIs, hospital stays, and surgeries. Some services such as durable medical equipment or chemotherapy may involve coinsurance instead.
The key protection these plans provide is a yearly maximum out-of-pocket limit, which caps how much you can spend in a worst-case medical year.
