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Original Medicare vs. Medicare Advantage

Florida Health Insurance Agency

When it comes to retirement, there are a lot of choices that need to be made, and health insurance is one of them. If you’re wondering whether you should choose Original Medicare (Part A and B) or Medicare Advantage (Part C), there are a few things you need to consider. 

Original Medicare

Original Medicare is what many are automatically enrolled in around their 65th birthday. It’s an excellent choice for those who want basic inpatient and outpatient coverage that will fit within their budget. If you’re not wanting extensive coverage, Original Medicare could be the right choice for you. 

Those who enroll in Original Medicare will also have the option to enroll in Part D prescription drug coverage and Medigap (which covers out-of-pocket costs). 

Medicare Advantage

Medicare Advantage is an alternative to Original Medicare. It’s best for those who want to expand their coverage to include dental, vision, hearing, and other areas of coverage. If you’re looking for more complex coverage than what Original Medicare provides, you should consider Medicare Advantage. 

Most Medicare Advantage policies will also come with prescription drug coverage, but those enrolled in Medicare Advantage will not have the opportunity to enroll in Medigap.

Which Choice is Right for You?

Choosing between Original Medicare and Medicare Advantage can be challenging, but it’s important to think about the coverage that you’ll need. 

Suppose you want vision, dental or hearing coverage included under the same plan with your basic inpatient and outpatient coverage. In that case, you’ll want to consider a Medicare Advantage plan.

However, if you’re looking to reduce your out-of-pocket costs, then you may want to consider Original Medicare with a Medigap plan.

Schedule an Appointment Today!

We understand that choosing between Original Medicare and Medicare Advantage can be challenging. If you’re struggling to make this choice, then feel free to make an appointment to speak with a member of our team. We can provide you with the information and resources you need to make informed decisions on your coverage.

Reach out to us today, and we will help you compare your Medicare options!

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