How to Choose Between Original Medicare and Medicare Advantage

Most Americans are familiar with Medicare, a federal health insurance program that can offer coverage for individuals 65 years of age and older, as well as younger people with specific conditions; however, under the umbrella of Medicare exist a few different options. Two of which are often referred to as Original Medicare and Medicare Advantage. Original Medicare typically covers most medically necessary services, such as those considered Part A and Part B services, but does not include any additional coverage, such as vision and dental. On the other hand, Medicare Advantage typically covers all the medical services that Original Medicare covers, but also includes additional benefits, such as eye exams and dental services. Before choosing a coverage plan, it’s essential to review the differences to make an informed decision.

Tips for Picking a Medicare Plan

Consider the following tips to make an informed decision about Medicare:

• Compare costs. One main difference between Original Medicare and Medicare Advantage is the cost. Consider both the monthly premiums and potential out-of-pocket expenses. Original Medicare typically has lower monthly premiums but higher out-of-pocket costs for services, while the reverse is usually true for Medicare Advantage.

• Understand differences in medical providers. Original Medicare typically allows patients to visit any provider in the U.S. that accepts Medicare, while Medicare Advantage generally is only accepted by providers within the plan’s network. Additionally, Original Medicare typically does not need a referral to see a specialist, while Medicare Advantage may require one.

• Evaluate coverage. Medicare Advantage plans typically cover everything Original Medicare covers, plus additional coverage, such as dental and vision.

Ultimately, choosing between Original Medicare and Medicare Advantage will vary based on your medical needs and priorities. Typically, Medicare Advantage covers most of what Original Medicare covers and offers some supplemental benefits.

Learn More

For Medicare guidance near you, contact Insurance Solutions USA. Our team can help answer any further questions you may have about Medicare coverage. Our knowledgeable brokers can help you understand the more nuanced differences between your coverage options.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.