Medicare Advantage Plans, also known as Medicare Part C, have become increasingly popular among Medicare beneficiaries in recent years. These private insurance plans provide an alternative way to receive Medicare benefits through contracted providers. In this blog post, we’ll explore the key details of Medicare Advantage and discuss the biggest advantage these plans offer compared to Original Medicare.

Medicare Advantage enrollment has grown significantly, with over 26 million people enrolled in an Advantage plan in 2022. Their all-in-one structure, expanded benefits, and potential cost savings appeal to many Medicare recipients. We’ll outline the pros and cons of Medicare Advantage and highlight why comprehensive healthcare coverage sets them apart from Original Medicare Plan.

Understanding Medicare Advantage Plans

Medicare Advantage Plan Overview

Medicare Advantage Plans are offered by private insurance companies as an alternative to Original Medicare. They provide the same Part A and Part B benefits as traditional Medicare, but often through a network of contracted hospitals and doctors. Many Medicare Advantage Plans also include prescription drug coverage (Part D) Drug Plan

The key distinction is that Original Medicare allows you to visit any healthcare provider in the U.S. that accepts Medicare, whereas Medicare Advantage Plans may also have restricted provider networks. However, Advantage plans often offer additional benefits beyond what you get with basic Original Medicare

Enrollment and Eligibility

To be eligible for a Medicare Advantage Plan, you must be enrolled in Medicare Part A and Part B. You also have to live within the plan’s service area. Each year from October 15th to December 7th is the annual open enrollment period when all Medicare recipients can join, switch, or drop a Medicare Advantage Plan if they choose

There are also Special Needs Plans cover specifically designed for those with certain chronic conditions or dual Medicare/Medicaid eligibility. These Special Needs Plans may offer or have flexible enrollment rules throughout the year .

Pros and Cons of Medicare Advantage Plans

Before looking at why comprehensive coverage is the biggest advantage, let’s recap the key pros and cons of Medicare Advantage Plans compared to Original Medicare.

Pros of Medicare Advantage Plans

  • All-in-one convenience of medical, drug, and often dental or vision coverage
  • Many plans offer $0 monthly premiums
  • Potential for lower out-of-pocket costs than Original Medicare
  • Extra benefits like fitness programs and transportation

Cons of Medicare Advantage Plans

  • Limited provider network
  • May need referrals to see specialists
  • Provider network can change annually
  • Rules differ among plan types (HMO, PPO, etc)

Coverage and Benefits

Coverage Options

There are a few main types of Medicare Advantage Plans:

  • HMOs (Health Maintenance Organizations) – Provide care through a limited network of providers. Require referrals to see specialists.
  • PPOs (Preferred Provider Organizations) – Also have a network but allow out-of-network care at a higher cost.
  • PFFS (Private Fee-for-Service) – No network limitations like Original Medicare. Less common plan type.

Each Medicare Advantage Plan has different costs, coverage rules, and flexibility depending on the type.

Benefits of Original Medicare

Under Original Medicare, you have Part A for hospital coverage and Part B for doctor visits and outpatient care. Key benefits include :

  • Visit any healthcare provider nationwide that accepts Medicare
  • No need for referrals to see specialists
  • Can add a Medigap policy for lower out-of-pocket costs
  • Freedom to change coverage each year if desired

The Biggest Advantage of Medicare Advantage Plans

Comprehensive Coverage

The biggest advantage of Medicare Advantage Plans compared to Original Medicare is that they provide comprehensive medical and drug coverage all under one plan.

Most Medicare Advantage Plans available include prescription drug coverage (Part D) along with all your Part A and Part B benefits [1, 5]. Many also provide additional dental, vision, and hearing coverage. This convenience of having both medical and drug benefits integrated makes coordination simpler and may cost less overall.

With Original Medicare you need to purchase separate Part D prescription drug coverage, which can be an extra monthly premium. Medicare Advantage combines everything in one neat package [5].

Cost Savings

In addition to convenient comprehensive benefits, some Medicare Advantage Plans provide cost savings as well:

  • $0 premium plans with Part D coverage included
  • Lower copays or coinsurance for services than Original Medicare
  • Annual out-of-pocket spending limits around $5,000 to $7,000

For those eligible for Medicare Savings Programs or Extra Help paying Part D Plan costs, enrolling in a $0 premium Medicare Advantage Plan can mean paying very little for robust medical and drug coverage. The spending limits also provide financial protection compared to Original Medicare .

Medicare Advantage vs. Original Medicare

Comparing the Two

When weighing Medicare Advantage against Original Medicare, it mainly comes down to a choice between more comprehensive benefits and coverage freedom:

  • Medicare Advantage Pros: All benefits in one plan, extras covered, coordinated care
  • Medicare Advantage Cons: Limited provider choice, plan rules
  • Original Medicare Pros: Freedom to choose providers, can change plans each year
  • Original Medicare Cons: No drug coverage, higher out-of-pocket costs

There are excellent reasons why both options remain popular. It depends on an individual’s healthcare priorities and budget.


Medicare Advantage Plans offer a way for Medicare beneficiaries to consolidate their coverage into one convenient plan that provides medical, drug, dental and other benefits together. This comprehensive healthcare coverage in one place is the biggest advantage of Medicare Advantage Plans compared to mixing and matching various policies under Original Medicare.

While provider network restrictions are a drawback, those who value having integrated benefits, financial protections through out-of-pocket caps, and potential cost savings may find Medicare Advantage to be a great fit. When evaluating your Medicare choices, be sure to fully understand the pros and cons and weigh your specific healthcare needs.

We’re Here to Help

You do not have to spend hours reading articles on the internet to get answers to your Medicare questions. Give the licensed insurance agents at American Entitlements a Call at (469) 814-0289. You will get the answers you seek in a matter of minutes, with no pressure and no sales pitch. We are truly here to help.


What is the biggest advantage of Medicare Advantage Plans?

The biggest advantage of Medicare Advantage Plans is that they offer additional benefits beyond what is provided by Original Medicare. These plans may include prescription drug coverage, dental and vision care, fitness programs, and more.

What is Original Medicare?

Original Medicare refers to the traditional government-run healthcare program that includes Medicare Part A (hospital insurance) and Medicare Part B (medical insurance).

What are the cons of Medicare?

Some cons of Medicare include the fact that it doesn’t cover all healthcare costs, such as prescription drugs. Additionally, Medicare coverage may require copayments, deductibles, and coinsurance.

What are the cons of Medicare Advantage?

Medicare Advantage Plans have their own set of cons. These may include limited network coverage, the need for referrals to see specialists, and being locked into a specific provider network.

What are the cons of Medicare Advantage Plans?

Some cons of Medicare Advantage Plans include the potential for higher out-of-pocket costs, restrictions on seeing out-of-network providers, and the potential for changes in plan benefits from year to year.

What are the benefits of Original Medicare?

Original Medicare provides coverage for a wide range of medical services, including hospital stays, doctor visits, preventive care, and limited home healthcare.

How does Medicare Advantage coverage differ from Original Medicare?

Medicare Advantage Plans, also known as Medicare Part C, replace Original Medicare coverage. These plans are offered by private insurance companies and may provide additional benefits not covered by Original Medicare.

What is the difference between Medicare Advantage and Original Medicare?

The main difference between Medicare Advantage and Original Medicare is that Medicare Advantage Plans are offered by private insurance companies. These plans typically include prescription drug coverage and may offer additional benefits beyond what is covered by Original Medicare.

What is covered by Medicare?

Medicare cover includes hospital stays, doctor visits, preventive care, medical tests and screenings, and a range of other healthcare services. However, it’s important to note that not all services are fully covered and may require cost-sharing.

How can I enroll in Medicare?

You can enroll in Medicare by contacting the Social Security Administration or by visiting their website. Enrollment is typically done during the Initial Enrollment Period (IEP) or during the annual General Enrollment Period (GEP).

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