 By contrast, most Medicare Advantage plans negotiate payment rates and form networks with healthcare providers, similar to how purely private health insurance plans operate.In turn, the Medicare program pays Medicare Advantage insurers a monthly fee per enrollee (capitation) to cover the cost of carrying their beneficiaries.Nearly all Medicare beneficiaries (99%) will have access to at least one public Part C health plan in 2020; the average beneficiary will have access to 39 plans per county.