Original Medicare
The traditional program run by the federal government includes Part A (hospital) and Part B (medical). You can see any doctor or hospital in the U.S. that accepts Medicare—no networks. You’ll pay a monthly Part B premium, plus deductibles and coinsurance. Many people add a Medigap policy to help with out-of-pocket costs and a separate Part D plan for prescriptions. It offers broad provider choice and predictable coverage, but typically lacks extras like vision or dental.
Medicare Advantage
Offered by private insurers approved by Medicare, these plans bundle Part A and Part B, and most include Part D. Many also add benefits such as vision, hearing, dental, fitness programs, or transportation. Premiums can be low (sometimes $0), but you’ll use the plan’s network and may need referrals. Costs vary with usage, but plans include an annual out-of-pocket maximum, a protection Original Medicare does not provide.
How to Decide
- Provider freedom: Nationwide access favors Original Medicare.
- Extras & bundling: Added benefits favor Medicare Advantage.
- Budget: Consider premiums, copays, drugs, and travel.
- Doctors: Keep your preferred clinicians in-network.
If you want the freedom to see any Medicare provider and don’t mind paying more for supplemental coverage, Original Medicare may fit best. If you prefer bundled coverage with extras and are comfortable with networks, Medicare Advantage could be the better value.
Medicare Supplement Advisory services