“Original Medicare is a good fit if you prefer flexibility in choosing health care providers wherever Medicare is accepted, if you travel frequently within the U.S. or if you want the option to purchase Medigap coverage,” explains Christopher Norman, a board-certified geriatric nurse practitioner in New York. “It’s great for those who want straightforward coverage without the extra services that Medicare Advantage may offer.”
“[Meanwhile], Medicare Advantage might suit those who prefer an all-in-one approach to health coverage or those needing benefits not offered by Original Medicare,” he says. “It’s also a good choice if you don’t mind using a specific network of providers and if you often use services like dental and vision care, which are typically not covered under Original Medicare.”
Jessica Topolski, a licensed Medicare insurance agent in Arizona, mentions that the cost for service is also a huge deciding factor. “Members that have VA benefits or other retiree coverage may only need Original Medicare and not all the benefits offered through a Medicare Advantage plan,” she adds.
Consider the benefits and drawbacks of Original Medicare and Medicare Advantage below to help you make an informed decision for your unique situation.