As with all insurance plans, you should ask the representative of that plan what your own expenses will be. In many cases, they will say that it costs you nothing to join. However, you should then ask about co-pay amounts for your primary care physician, your cardiologist, neurologist, or other physicians that you may need to see. You should also ask about co-pays for medications, which medications are on the formularies, co-pays for hospital stays, and other items that are pertinent to your care. Some plans offer marketing perks, such as memberships to health clubs. Such activities can be advantageous, but since the Advantage plans work for profit, they will recoup those expenses and more as they provide oversight for your health care.