Your Medicare Options: Original vs. Advantage Plans
- epiainsurance
- Apr 6
- 2 min read
When enrolling in Medicare, one of the biggest decisions you’ll make is whether to choose Original Medicare or a Medicare Advantage Plan (Part C). Both options provide essential coverage but differ in how they work, what they cover, and how much they cost.
Let’s walk through the key differences so you can make the best choice for your needs.
What is Original Medicare?
Original Medicare consists of Part A (Hospital Insurance) and Part B (Medical Insurance). It’s offered directly through the federal government and allows you to see any doctor or provider that accepts Medicare.
Key Features:
No provider network – choose any Medicare-accepting doctor nationwide
Generally lower monthly premiums for Part A
Monthly premium for Part B
You’re responsible for deductibles, coinsurance, and out-of-pocket costs
Does not include prescription drug coverage (Part D) – must enroll separately
Option to add Medigap (supplemental insurance) to help with out-of-pocket expenses
What is Medicare Advantage (Part C)?
Medicare Advantage Plans are offered by private insurance companies approved by Medicare. These plans combine Part A and Part B, often include Part D, and may offer additional benefits like vision, dental, hearing, and wellness programs.
Key Features:
Must use providers within the plan’s network (except emergencies)
All-in-one plan including drug coverage (most plans)
May have lower out-of-pocket costs than Original Medicare
May offer extra services not covered by Original Medicare
Plans vary by county and zip code
How to Choose the Right Plan
Here are a few questions to ask yourself:
Do you want the freedom to choose any provider? → Consider Original Medicare.
Do you take prescription medications? → Make sure you add Part D or choose a Medicare Advantage plan that includes it.
Do you want coverage for dental or vision care? → Medicare Advantage plans may be better for you.
Do you travel often? → Original Medicare offers more flexibility nationwide.
Pros & Cons Summary
Feature | Original Medicare | Medicare Advantage |
Provider Choice | Any Medicare provider | Must use network |
Drug Coverage | Not included | Usually included |
Out-of-Pocket Costs | Higher without Medigap | Often lower |
Extra Benefits | Not included | Often included |
Flexibility | High | Limited to service area |
Need Help Choosing?
This decision depends on your healthcare needs, budget, and lifestyle. At EPIA Inc., our licensed agents are here to help you compare your options and choose the plan that fits you best.
📩 Schedule your free Medicare consultation today.
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