Is Original Medicare or Medicare Advantage Better for Your Needs?
Learn which plan is right for you.
Original Medicare offers health insurance to US citizens and qualified legal residents age 65 and older. People under 65 with certain medical problems also qualify for it. Original Medicare is run by the federal government and includes Part A, which helps pay for hospital stays and inpatient care, and Part B, which helps pay for doctor visits and outpatient care.
Medicare Advantage is a different way to get Medicare. It covers everything that Original Medicare does, plus more. It also covers Part C, which combines Part A and B as well as Part D, which includes prescription drug coverage. Medicare Advantage also covers other benefits not offered by Original Medicare. It’s sold by private insurance companies.
Medicare Advantage Compared to Original Medicare
Medicare Advantage limits the total amount you pay for covered services. With Original Medicare, you pay 20% of the cost for covered services, with no limit to your total cost. You can buy a supplement plan to help with those costs. And you can add a Medicare Part D plan to cover prescription drugs. But a Medicare Advantage plan may offer you everything you need, all in one plan. It’s important to carefully weigh your choices so you can choose a plan that best fits your needs.
Medicare Advantage Offers More Than Original Medicare
Medicare Advantage covers everything that Original Medicare covers. In addition, many Medicare Advantage plans also offer coverage for things like:
- Prescription drugs
- Fitness memberships
How happy are members with their Medicare Advantage plans?
Recent surveys show most Medicare Advantage members are happy with their plans.
are satisfied with their Medicare Advantage plans 1
are satisfied with preventative care they received from their Medical Advantage plan 2
1The Coalition for Medicare Choices. 2 million seniors and The Coalition for Medicare Choices mobilize to support Medicare Advantage. medicarechoices.org/2-million-seniors-and-the-coalition-for-medicare-choices-mobilize-to-support-medicare-advantage/. Published January 31, 2018. Accessed February 15, 2019.
2Better Medicare Alliance. Seniors highly satisfied with Medicare Advantage. bettermedicarealliance.org/newsroom/press-releases/seniors-highly-satisfied-medicare-advantage. Published March 11, 2015. Accessed February 15, 2019.
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