Original Medicare vs Medicare Advantage

When you're eligible for Medicare, one of the most important choices you'll make is how to receive your benefits: through Original Medicare or a Medicare Advantage Plan.

Original Medicare (Parts A and B):

• Managed by the federal government
• Part A: Covers hospital stays, skilled nursing, hospice, and home health
• Part B: Covers doctor visits, outpatient care, lab tests, and preventive services
• See any provider in the U.S. who accepts Medicare
• Does not include prescription drug coverage — must add Part D
• No out-of-pocket maximum
• Option to add a Medigap (supplement) policy to help with costs

Medicare Advantage (Part C):

• Offered by private insurance companies approved by Medicare
• Includes all services covered under Parts A and B
• Most plans include Part D drug coverage
• Often includes extra benefits: dental, vision, hearing, gym, OTC, transportation
• Typically limited to a network of doctors and hospitals
• Has a yearly out-of-pocket max (varies by plan)
• May require referrals to see specialists

Key Differences:

Feature	Original Medicare	Medicare Advantage
Provider Choice	Any doctor/hospital in U.S. that accepts Medicare	Usually in-network only
Drug Coverage	Not included (add Part D)	Usually included
Extra Benefits	Not included	Often included
Out-of-Pocket Limit	No	Yes
Medigap Option	Available	Not available
Referrals Needed	No	Often Yes

Which option is right for you?

It depends on your personal needs — such as flexibility, costs, medications, and provider access. If you travel often or want to keep your doctor, Original Medicare may offer more freedom. If you want an all-in-one plan with extra benefits, a Medicare Advantage plan may be a better fit.

🔗 Compare Medicare coverage options on Medicare.gov

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This app is for educational purposes only and is not affiliated with the U.S. government or CMS.