Do Medicare Advantage plans really save seniors money in the long run? Why or why not?

Question

Sean Davis · Accepted Answer

Medicare Advantage plans can potentially save seniors money in the long run, but the impact varies by individual circumstances. They often have lower premiums and may include additional benefits not covered by Original Medicare, such as vision and dental care. However, these plans might have higher out-of-pocket costs for certain services and often require members to use a specific network of providers. It’s important for you to evaluate their healthcare needs and compare costs before choosing a plan.

Answered by Sean Davis on March 26, 2025

Broker Licensed in NY, LA, MD & 6 other states

Answered by Sean Davis Medicare Insurance Agent

Gary Church · Answer

That depends on how the individual uses their Medicare Advantage plan and which plan they have. Also, consider the deductibles, co-insurance, and the MOOP.

Mark Bilgere · Answer

Medicare Advantage plans definitely save seniors money compared to traditional Medicare by it's self. However the plans work in a specific way and if you don't understand how it is supposed to work, then you may feel it isn't. A lot of people think because a plan has no premium, that it is a free plan. That is not the case. All Advantage plans have some level of cost sharing that is passed on to the member. There is no such thing as FREE and COST is not always measured in dollars.

Answered by Mark Bilgere on July 29, 2025

Broker Licensed in TX, AR, IN & LA, MN, NE & OK

Answered by Mark Bilgere Medicare Insurance Agent

Terri Reagin · Answer

In a short answer, yes, Medicare Advantage plans will be the cheapest route when you are looking at premiums only. It is definitely going to be cheaper premiums than a Medigap or Medicare supplement. If you weigh the cost of a Medigap plan over a five or ten year span against the co-pays that you will pay out of pocket for an Advantage plan, I'm a firm believer that the math does favor the Medicare Advantage plan. People that make the decision for a Medigap plan are typically doing so for convenience, convenience of not having a network, convenience of not having a co-pay. But the math will favor the Advantage plan.

George Ibanez · Answer

Medicare save seniors premium money, however they have many copays for most services, so Medicare advantage plans may cost you a little more , but most of them do not have any copays and seniors are much happier with them.

Answered by George Ibanez on May 19, 2026

Broker Licensed in AR, AL, AZ & 40 other states

Answered by George Ibanez Medicare Insurance Agent

Voss Speros · Answer

Voss Speros here, Greek god of Medicare. If Medicare is all Greek to you, you're in luck, I'm Greek. So the question today is, does Medicare Advantage really save seniors money in the long run? Yes or no? I'm gonna have to say yes on that one, depending on how people look at it. Everyone's ideas are different.

But if you're turning 65 and you have the option to go on a supplement that costs $200 a month for a G plan, the standard plan, plus about $30 a month for a Part D plan, plus maybe $15 or $20 for a dental, vision, hearing plan, okay, so that's $230, $20, $250 a month. You pay $250 a month for your secondary stuff or the Advantage plan is zero. You can take that $250 and put it in a bank every month, save it.

Say your Advantage plan has a $5,000 maximum out of pocket. There's no deductible on Advantage plans. Your drugs have a little deductible, but on the healthcare side, there's no deductible. So you build up $5,000 in this other account. At $200 a month times 12 months, that's $2,400. So you're looking at about two years' worth of putting money aside in that. When you get up to $5,000, then that's covering your maximum out of pocket and you use this card here to cover your co-payments for that.

This money is just gonna build. If you just keep putting the $250 aside every month for years, then when you need the healthcare in the long run, you could have $10,000 to $15,000 saved, but your maximum out of pocket is only $5,000. So you're really never gonna go past that. So is it gonna help in the long run? I say yes, it does.

Now, if you look at it from the standpoint of getting to the long run and you didn't put it away and you just spent it willy-nilly on your retirement and then you needed care, yes, the supplement would be nice because you don't have any money to back up for all those co-payments. So at 65, set money aside like a health savings account, but not bad. Set money aside in another account, like $200 a month, basically paying for the supplement.

Give it up to $5,000 so you have that coverage, and yeah, it will save you money in the long run. If you have any questions, give us a call. Thoughts, concerns, let us know. Have a good day.

Ray McCauley · Answer

they do. They offer a lot of ancillary benefits that regular Medicare does not cover. Also, they will cover a lot of co-pays and lower your expenses less than what you would pay under original Medicare and they offer drug plans embedded in them.

Answered by Ray McCauley on December 20, 2025

Broker Licensed in CA, AZ, FL & ID, NV, SC & TN

Answered by Ray McCauley Medicare Insurance Agent

Gregg Matheny · Answer

Yes and no. It really depends on the client. I do have clients that have been on a low-cost advantage plan for years and truly have not seen any specialist and take very little generic medication’s. Those folks have saved thousands of dollars over the years. I also have clients that were attracted to a low monthly premium, but have paid a lot in out-of-pocket cost for providers, hospital, states, specialist visits, MRI, etc.. The biggest disadvantage that I have come across on advantage plans is the limited network. I always encourage clients to pay close attention to an advantage plans “MOOP”. I will often compare that cost to a yearly predicted cost on a Medicare supplement plan to help paint a picture of the difference between advantage and supplement.

Answered by Gregg Matheny on March 25, 2025

Agent Licensed in AZ & UT

Answered by Gregg Matheny Medicare Insurance Agent

Steven Lovell · Answer

Medicare Advantage plans don't necessarily save money in the long run for all seniors. While some plans offer lower premiums and out-of-pocket limits, network restrictions and pre-authorization requirements can lead to unexpected costs. If you are healthy and want predictability, Medicare Advantage might be a good option, but if you prefer flexibility or have complex health needs, traditional Medicare with a Medigap (supplement) plan could be more cost-effective.

Answered by Steven Lovell on June 1, 2025

Broker Licensed in GA, AL, CA & 11 other states

Answered by Steven Lovell Medicare Insurance Agent

Michael Denniston · Answer

Yes I believe Medicare Advantage plans can save a Medicare beneficiary a lot of money, especially if a catastrophic event occurs. Medicare Advantage plans are required to have a maximum out of pocket each year. Original Medicare has no maximun out of pocket. Medicare Advantage plans can also provide a credible drug plan at no additional cost. Many Advantage plans offer extra benefits and savings on things original Medicare does not cover, like a little dental, vision and free gym membership in some cases. There are many very good reasons to enroll in Medicare Advantage also known as part C. Medicare Advantage plans very from zip code to zip code, county to county and state to state. I think it is important to talk with a very experience Medicare plan expert that is independent. Got questions call or email today for a free analysis and quote.

Answered by Michael Denniston on March 25, 2025

Agent Licensed in FL, AL, AR & 11 other states

Answered by Michael Denniston Medicare Insurance Agent

Tasha Riggs · Answer

Medicare Supplements premiums go up every year and so do the drug cards. You pay that larger premium each year weather your sick or not. 
On Medicare advantages, most of them premiums are No cost and you pay Copay as you use them. The Copays control the costs and the copays cap out each year.  Less than 1% ever hit the max copay or max out of pocket on a Medicare advantage plan. 
You may have a few bad years but not every year and over time Medicare advantages do save you money. Not just on premiums but they also have extra dental, Vision, hearing and over the counter items that Original Medicare does not.

Paul Potter · Answer

I know you do not want to hear this, but, it depends. For Medicare Supplement plans, you pay for coverage regardless of whether you use services or not. In Central Florida, most Medicare Advantage plans cost $0.00 monthly, and you only pay for services if you use them. So the answer depends on how much you use the services. Another aspect is how risk averse you are. People that are more risk averse (and have the resources) tend towards Supplement plans.

Answered by Paul Potter on September 3, 2025

Broker Licensed in FL

Answered by Paul Potter Medicare Insurance Agent

Cody Biggs · Answer

It depends. Medicare Advantage plans can save some seniors money, but not automatically and not in every case. They often look cheaper up front because many plans have low or $0 premiums, include drug coverage, add extras like dental/vision/hearing, and have a built-in annual out-of-pocket maximum for Part A and Part B services.

Answered by Cody Biggs on March 23, 2026

Broker Licensed in LA, AL, AZ & 24 other states

Answered by Cody Biggs Medicare Insurance Agent

Robert Pennington · Answer

Advantage Plans will save money if your on a PPO Plan and pays in and out of network.  HMO Plans pay in network, but normally you pay out of network.

Andrew Firmin · Answer

Do Medicare Advantage plans save seniors money in the long run? That's a great question. Hypothetically, yes. The whole idea around Medicare Advantage plans is proactive care. Managed care means having one person coordinating your care so that we can be proactive. When we're proactive, we're keeping you healthier and keeping you out of the hospital. So from that perspective, Medicare Advantage may save money throughout the entire system, and it may save you money.

Now, if we look at it over a course of time, if you're enrolled in original Medicare and you're paying for a supplement plan, if you go 25 years and you're super healthy and you never need your health plan, well then, yeah, Medicare Advantage is likely saving you money. Now, if something happens early on after you get on Medicare and you develop a chronic illness or chronic disease that you now need treatment for the rest of your life, in that scenario, Medicare Advantage is likely going to cost you more money.

So the question shouldn't be, "Is Medicare Advantage saving you money?" The question should be, "What type of health care coverage do you need? What is your financial situation?" And to marry those things and make the best decision on what your coverage options are based off of the area in the part of the country that you live in. So it all depends. It's hard to answer. Hypothetically, the whole point of Medicare Advantage is proactive care to keep you healthy, to keep you out of the hospital, and across the entire system. That should save money. That is why Medicare Advantage was introduced in the first place. And that is the goal.

I know that may not answer your entire question, but it all depends on the health care coverage you need. And that's what you need to understand as you make your decision. Until next time, be healthy and be well.

Edward MacConnell · Answer

While a Medicare Advantage plan may save you PREMIUM dollars it all comes down to a couple of facors:

1. how much do you use the coverage? A MA plan will usually have copays and deductibles  on most services including a max out of pocket in the thousands whereas a supplement usually does not. If you need to see  physicians, specialists and get tests on a regular basis a Medicare advnatga ewill not nexessarily save you money overall because what you save in premium may beexceeded by what you spend on the cost of care services.

2. How much geographic flexibility do you need? An MA plan is typically geographically limited in network scope so you may pay for more expenses out of pocket. MAPD plans may alsohave nedtwork restrictions forcing you again to pay more out of pockey for providers you want to see who are not in network.

Dutch VanHoesen · Answer

Medicare Advantage plans may be less expensive when you are healthy. Medicare supplements or Medigap may be less expensive if the worst of the worst happens to you. However I can give you examples directly from my clients who have ended up paying more on a Medicare Advantage plan. While you may feel healthy now 85% of our Medical Care comes after age 65.

Answered by Dutch VanHoesen on March 25, 2025

Broker Licensed in FL

Answered by Dutch VanHoesen Medicare Insurance Agent

Mitzi Davis · Answer

That depends on many individual circumstances. Medicare is far from one size fits all! Not even a wife and husband have the same health needs so asking someone who is not an insurance professional will only confuse you more.

Answered by Mitzi Davis on October 26, 2025

Broker Licensed in KS, AR, IA & 6 other states

Answered by Mitzi Davis Medicare Insurance Agent

Brian Krantz · Answer

They can save you money short term — and long term if you stay healthy. But it’s a gamble. If you get sick, out-of-pocket costs and network limits can add up fast.

Samantha Jellison · Answer

They can. Medicare Advantage typically offers additional benefits such as Dental, Vision and Hearing- the emphasis on these plans is Preventative Care. The better you take care of your health, the less costly it tends to be. 

If you break it down, usually a Medicare Advantage plan is about $0 monthly premium, and includes your prescription drug coverage. You will still have to pay your Part B premium (in 2025 the standard premium is $185) and any copayments associated with your plan for doctors visit, procedures, medications. This is why Medicare is considered the Pay as You Go Plan. And that suits some people just fine.

With a Medicare supplement, you are responsible for your Part B premium, your Medicare supplement premium, your prescription drug plan premium and any additional policies you may require such as a Stand-alone Dental, or bundled Dental, Vision and Hearing policy (because Medicare Supplement plans do not include coverage for these). This is why a Medicare Supplement/Medigap plan is known as a Prepaid Plan.

Sharri Crawford · Answer

Enrolling in a Medicare advantage plan will save you Money because most plans have a $0 monthly premium.  Advantage plans are a Pay for services as you go.

Bryan Smith · Answer

Yes, they do. I have a study comparing Medigap and Medicare Advantage over 20 years, and even if beneficiaries reach their max out-of-pocket half the time, Medicare Advantage still comes out ahead in overall costs.

Answered by Bryan Smith on March 10, 2025

Broker Licensed in UT, AL, AR & 35 other states

Answered by Bryan Smith Medicare Insurance Agent

Sam Duffield · Answer

It depends on how much you use it. If you get sick a lot, having Medicare with a Medicare supplement can save you a lot of money. But if you don't go to the doctor much, Medicare Advantage plans can save you money because the monthly premiums are typically lower.

Answered by Sam Duffield on December 15, 2025

Broker Licensed in AL, CO, FL & 5 other states

Answered by Sam Duffield Medicare Insurance Agent

Steven Bleicher · Answer

Depending on your health issues if any, it may have been a great decision or if you suffered thru many health downturns with a lot of hospitalizations, a Medigap might have been the better choice in the long run.

Answered by Steven Bleicher on May 26, 2025

Broker Licensed in AZ

Answered by Steven Bleicher Medicare Insurance Agent

Diana Garner · Answer

Not consistently.  It could cost more, especially for people who have just turned 65 or someone who has many medical issues.

While Medicare Advantage plans offer little to no premiums, deductibles, max out-of-pocket, copays, and coinsurance can add up over time.  For someone who doesn't have a lot of medical issues, doesn't go to the doctor often, or utilizes the VA, it could save them money.

Many times, the premiums on a Medicare Supplement and a standalone drug plan (Part D) are less than the max out-of-pocket on a Medicare Advantage plan.

It is best to review your options with a broker or agent who can explain all details to you.

Steve Houchens · Answer

In my opinion it depends on each individual client and their financial situation and generally speaking the older the client gets is when it can save more due to Medicare Supplement prices can increase annually and after several years can become very pricey where as Advantage plans many time have zero or very low premiums plus offer additional added benefits not offered by Supplements.

Answered by Steve Houchens on April 2, 2025

Agent Licensed in KY & TN

Answered by Steve Houchens Medicare Insurance Agent

Leslie Kaz · Answer

Short answer: Sometimes yes. Sometimes no. It depends on the person — not the TV commercial.

Here’s the real deal:
Medicare Advantage plans can save seniors money when they’re matched correctly to how someone actually uses healthcare.

Why they can save money:

Lower (sometimes $0) monthly premiums

Built-in extras like dental, vision, hearing, fitness

Annual out-of-pocket maximums (Original Medicare doesn’t have one)

Why they don’t always save money:

Provider networks can be limited

Costs add up if you go out-of-network

Heavy users of care may hit the max and pay more than expected

Benefits change every year

Here’s the part commercials skip:
The plan isn’t the problem — the fit is.

That’s why working with my office matters. We offer concierge service, meaning we don’t just enroll you and disappear. If you’re confused, can’t find a provider, or something isn’t working the way you expected, we step in and help fix it.

Bottom line:
Medicare Advantage can absolutely save money — when chosen strategically and supported properly. One-size-fits-all plans usually cost more in the long run.

Priscilla Ramos · Answer

Sometimes, but not always.
They can save money with low premiums and extra benefits, but costs can add up later with copays, networks, and higher out-of-pocket if you get sick.  Best for healthy users; less predictable for frequent care.

Rick Boyd · Answer

Advantage plans can save seniors money over the years. With zero premiums, low deductibles, and low maximum out of pocket expenses Advantage plans are very affordable for many seniors. What is not often addressed is the statements above are true if the individual is relatively healthy. If there are serious ongoing health issues not covered by chronic illness Advantage plans, costs increase significantly reaching the maximum out of pocket for more than a single year. Add to this nursing home cost that go beyond what is covered. Advantage plans are not perfect but offer a better option than depending on Original Medicare.

Answered by Rick Boyd on April 6, 2026

Broker Licensed in KY, AZ, CA & OH, TN, TX & UT

Answered by Rick Boyd Medicare Insurance Agent

Yasmery Vargas · Answer

It all depends on the consumers situation. There are many programs offered that consumers who are low income can take advantage of. These programs are not only beneficial but, in some cases, also saves consumers money on both medications and premium payments based on eligibility. The big thing to remember is that a Medicare advantage has upfront cost like copays and or premium payments depending on the plan. It may also include benefits like dental, vision and hearing. In that instance, Medicare advantages may save you money in the long run since your dental vision and hearing may be included in your plan/premium.

Answered by Yasmery Vargas on June 25, 2025

Agent Licensed in PA

Answered by Yasmery Vargas Medicare Insurance Agent

Melanie Blackston · Answer

Medicare Advantage plans can save seniors money through lower monthly premiums and mandatory out-of-pocket maximums.  They also can provide extra benefits like dental and vision.

Michael Yost · Answer

They could save people money in the long run. Most advantage plans have a $0/month premium. Most plans have very reasonable, low copays if you see a doctor. If people aren't using their insurance very much, they would be paying very little copays and would be paying no premium year after year. If someone has Original Medicare and buys a supplement, those supplement plans could get expensive. Premiums will go up each year too. People that have supplements pay higher premiums, that go up every year, regardless if they ever use their insurance.

Answered by Michael Yost on May 29, 2025

Broker Licensed in OH, AL, AZ & 27 other states

Answered by Michael Yost Medicare Insurance Agent

David Silver · Answer

You can save money with Medicare Advantage in most situations. However if you are in need of Part B drug treatment long term, Medicare Advantage can be more expensive than straight Medicare and a supplement. Also if you take expensive prescriptions you need to be careful, as well.

Answered by David Silver on March 26, 2025

Broker Licensed in FL, NJ & NV

Answered by David Silver Medicare Insurance Agent

Frank Woerner · Answer

Depending on the individual, Medicare Advantage plans often do save seniors money in the long run. Low monthly premiums, additional benefits like, Dental, Vision, Hearing and even gym memberships to name a few save money.

Answered by Frank Woerner on October 10, 2025

Broker Licensed in IN & IL

Answered by Frank Woerner Medicare Insurance Agent

Lea Vollmer · Answer

Yes and NO, I feel it depends on your health and how you use your Medicare.  Yes, if you have preexisting conditions and can afford a supplement and Part D plan, I call this the snowbird à la carte side. Add up the Supplement premium and Part D premium; that is your MOOP for OM, original Medicare. If you are going through a lot of health issues, your expenses can be very high, and it might limit the doctors you can see if you are on a Medicare Advantage plan. I would check with your doctors and make sure they are in network with a Medicare Advantage plan, look at the MOOP, maximum out of pocket, and compare it to the amount you would pay for your supplement premium and Part D premium. I believe everyone is different in their healthcare needs. 
If you are turning 65 with health issues and can afford it, I highly suggest a supplement plan with Part D. If you are healthy and do not use your plan often, I would go into a Medicare Advantage Plan. I call that side the pay-as-you-go side. You only pay if you use the plan.
I see people who have had a supplement and didn't use it often; they would save money getting into an Advantage plan. And if you are healthy and can afford it, you can price shop your supplements to see if you can get a better rate. Most people do not know they can price shop for their supplements all year round; only Part D has enrollment periods.

Kim Gibas · Answer

As a Medicare agent, I can help you understand whether Medicare Advantage plans can save seniors money in the long run.

Ultimately, whether a Medicare Advantage plan saves money depends on your individual health needs and circumstances. I will complete an analysis to help you determine which plan is right for you!

George Kolitsas · Answer

This is a trick question. As brokers, we can not predict the future. If you have a healthy year and used your extra benefits built into your advantage plan, then yes, you could save money. However, if you have a bad year of health issues, then you could possibly be paying more out of pocket. At the end of the day, you do have a Maximum-Out-Of-Pocket that will put a cap on your out of pocket cost for the calendar year.

Answered by George Kolitsas on March 25, 2025

Broker Licensed in CT

Answered by George Kolitsas Medicare Insurance Agent

Zachary Whitaker · Answer

Medicare Advantage plans can save seniors money through lower monthly premiums and mandatory out-of-pocket maximums. They also can provide extra benefits like dental and vision.

Answered by Melanie Blackston on March 17, 2026

Broker Licensed in SC, GA & NC

Answered by Melanie Blackston Medicare Insurance Agent

Pamela Fugitt-Hetrick · Answer

Medicare Advantage plans are very low cost monthly premiums compared to a Medicare Supplement. They do have co-pays and and a percentage of charges you have to pay for medical services. In the end, if you had high-cost procedures like Chemo, Radiation, or Dialysis, you would have much higher out of pocket costs as you use the Advantage plan. Advantage plans also limit the doctors and hospitals you can access outside of an emergency.

Answered by Pamela Fugitt-Hetrick on June 15, 2026

Agent Licensed in CA

Answered by Pamela Fugitt-Hetrick Medicare Insurance Agent

Fred Manas · Answer

Medicare Advantage plans don't consistently save seniors money in the long run & may even lead to higher overall costs. While they may offer lower premiums & out-of-pocket limits, the added costs & restrictions can negate those savings.  Here's a more detailed explanation: Potential Savings: Lower Premiums:  Some Medicare Advantage plans offer zero or very low monthly premiums, potentially saving seniors money compared to traditional Medicare Part B. Out-of-Pocket Limits: Many Advantage plans have out-of-pocket maximums, meaning you won't be charged more than a certain amount for medical expenses in a year. Potential Drawbacks: Higher Total Costs: Studies have shown that Medicare Advantage plans can be more expensive overall for beneficiaries than traditional Medicare. Provider Network Restrictions: Advantage plans often have limited provider networks, which can mean higher costs or delays in care if you choose to see a doctor outside of the network.  Pre-authorization Requirements: Some Advantage plans require prior authorization for certain procedures or treatments, which can be a hassle & may delay care.  Hidden Costs: Additional benefits like dental or vision coverage may have limits or be subject to extra fees.  Cost-Sharing: Even with lower premiums, Advantage plans may have higher co-pays or deductibles compared to traditional Medicare. 
When Advantage Plans Might Save Money:  Healthy individuals:  If you are generally healthy & don't need a lot of medical care, Advantage plans might offer a predictable way to manage healthcare costs.  Those who prioritize lower premiums & out-of-pocket limits:  If you are willing to accept network restrictions & other potential drawbacks, Advantage plans can be a good option for managing your healthcare spending. When Traditional Medicare + Medigap Might be Better: Those with chronic health conditions: If you have complex health needs or regularly require specialized care, traditional Medicare with a Medigap plan might work

Vachik Chakhbazian · Answer

Depending on your health condition. it's a complex decision that depends on individual circumstances. may have lower premiums or offer extra benefits, they often come with trade-offs like network restrictions and potential higher costs for out-of-network care.

Answered by Vachik Chakhbazian on April 15, 2025

Agent Licensed in CA, AL, AR & 22 other states

Answered by Vachik Chakhbazian Medicare Insurance Agent

Mary Brown · Answer

Medicare Advantage plans can save seniors money with lower monthly premiums and extra benefits such as dental and vision but they often come with higher out-of-pocket costs for services and potential network restrictions.

Answered by Mark Boone on December 17, 2025

Agent Licensed in MN, FL, MI & NC, OH, SC & VA

Answered by Mark Boone Medicare Insurance Agent

Andrew Kramer · Answer

That's a difficult question to answer because a lot depends on where you live, what's the cost of supplement plans, what are the co-pays of Advantage plans in your area, and what is the Dr network for those plans. So you really need to sit down with a licensed, local health care agent who specializes in Medicare plans. Anyone else attempting to answer this question in a general way, just can't.

Answered by Andrew Kramer on July 31, 2025

Agent Licensed in FL

Answered by Andrew Kramer Medicare Insurance Agent

Carol Thompson · Answer

That will depend on your health conditions as well as the cost of your medications, the service area and state you live in. This is very vague question. 

I have had a few clients that could no longer afford the monthly premiums of Medicare Supplement plans as they got older; the rates can increase as you age like car insurance. So I have moved them to Medicare Advantage plans.

Mark Boone · Answer

Medicare Advantage plans can save seniors money through lower monthly premiums and mandatory out-of-pocket maximums. They also can provide extra benefits like dental and vision.

Answered by Melanie Blackston on March 17, 2026

Broker Licensed in SC, GA & NC

Mike Henry · Answer

Medicare advantage plans are designed for people with average to below average retirement income.  They have a lot more deductible and copayments than regular supplement plans.

Andrew Kelly · Answer

It depends!

If you are super healthy, and have no major medical issues during the year, and you are on a "free" or low cost Medicare Advantage plan, then you save the money that you would have potentially paid for your Medigap plan. However, if your health isn't good or you need a major medical procedure, surgery, etc. you would have to pay your M.O.O.P. (Maximum Out Of Pocket). Should this happen, you will pay significantly MORE than you would have if you would have been on Original Medicare and had a Medigap G or N plan.

Mel Stevens · Answer

If a senior is paying more than a max out of pocket for their premiums than Medicare Advantage MOOP or Ma out of Pocket then it can end up saving money and often times a significant amount of money. Many plans have a Max out of Pocket around $2900. If for example you are paying $245 a month or more with a supplement, then it's something to consider. In addition, Medicare Advantage also has dental, vision, hearing benefits among others included. For example, a Medicare Advantage plan may offer an additional $3,000 in dental benefit. If you have a supplement plan that you are already paying $3,000 a year for and need another $3,000 in dental work done, now you are out $6,000 for the year. Medicare Advantage, worst case scenario, you are out $2,900 and that's only if you've spent multiple days in the hospital throughout the year. Because most Medicare Advantage plans have a zero monthly premium and if your healthy, you may only be out of pocket $200 a year in some cases even with getting $3,000 dollars' worth of dental done as opposed to being out $3,000 a year paying that monthly supplement fee.

Answered by Mel Stevens on December 20, 2025

Broker Licensed in AZ

Answered by Mel Stevens Medicare Insurance Agent

Michael Kim · Answer

Yes. Because Medicare Advantage Plans do not have monthly premiums, they cover medical, prescriptions, dental, hearing, vision, and other benefits.

Tamela Clayton · Answer

Sometimes, Medicare Advantage plans can save money for certain seniors, especially in the short term, but they are not automatically cheaper for everyone in the long run.

Advantage is more of a 'pay as you go' path with lower or zero premiums, but you pay copays as you use services and you must follow the plan's network and rules.  

Medigap is more of a 'predictable path' with a higher monthly premium, but very low and stable medical costs when you use care, and much more freedom with doctors.

My job is education first, sales second:  I walk you through both paths with your doctors, prescriptions, and budget so you can pick the lane that feels safest for you over time.

Charles Borg · Answer

That depends on various things. If you're seriously il, l you have more choices with traditional Medicare and freedom to go wherever you want. If you don't have any serious conditions, an Advantage plan can save you money, but you have to go to their medical practioners.

Answered by Charles Borg on December 9, 2025

Agent Licensed in FL & NY

Answered by Charles Borg Medicare Insurance Agent

Jeffrey Sodikoff · Answer

IF YOU ARE HEALTHY AND ITS IMPORTANT TO YOU TO ALSO HAVE ALL THE OTHER BENEFITS THAT ARE INCLUDED, SUCH AS DENTAL, VISION, HEARING, ETC THEN YOU WILL SAVE MONEY IN THE LONG RUN. KEEP IN MIND THAT YOU WILL BE GIVING UP THE FLEXIBILITY OF SEEING ANY DOCTOR OR GOING TO ANY HOSPITAL OF YOUR CHOICE THAT ACCEPTS MEDICARE. YOU WILL BE BOUND BY THE INSURANCE COMPOANIES NETWORK. FOR THAT YOU WANT TO LOOK INTO A MEDICARE SUPPLEMENT

Answered by Jeffrey Sodikoff on May 19, 2026

Agent Licensed in FL

Answered by Jeffrey Sodikoff Medicare Insurance Agent

Andre Cabral · Answer

It depends on your needs. If you frequently see specialists and needs to do exams many times a year, then MedSup may be your best choice. Your monthly cost will be the Part B, the Drug plan and the Med Sup premium.   
If you enjoy fairly good health, you can choose a Medicare Advantage plan that covers parts A, B and D (drugs) that costs $0 monthly premium. Your only cost will be whatever SSA charges for your Original Medicare part B costs (generally $185.00/mo)

John L Herman Jr · Answer

Every person is unique so the answer is that plans can save money under many circumstances... and occasionally when a Plan doesn't work for that client, then an Independent Broker can explain better options for the client.

Answered by John L Herman Jr on March 31, 2025

Broker Licensed in MD, DE & PA

Answered by John L Herman Jr Medicare Insurance Agent

Alicia Tyring · Answer

Sometimes, but not always. While advantage plans may have a low or $0 monthly premium, there is a much higher cost sharing if you use the plan. You would see this in your MOOP for the advantage plan. With a supplement, you're paying up front, but aside from the monthly premium and your 1 time per year deductible, that's all you pay. Whereas the advantage is pay as you go, so every service is going to result in a charge that goes towards your MOOP for the year. MOOPs are typically much higher than a supplement cost. 

Medicare Advantage often reduces upfront costs and can save money for seniors who remain relatively healthy. However, for people who later develop significant medical needs, the combination of copays, network limitations, and the potential inability to obtain affordable Medigap coverage can make it more expensive—or at least more restrictive—over the long run. The key tradeoff is usually lower premiums today versus greater flexibility and potentially lower risk of large medical expenses later.

Shahwali Hotaki · Answer

Yes, Medicare Advantage plans can save seniors money—often around $2,500 a year—by capping out-of-pocket costs and including extra benefits like dental, vision, and drug coverage. But they may have network restrictions and require pre-approvals for some services. Whether it saves you money depends on your health needs and preferences.

Answered by Shahwali Hotaki on August 5, 2025

Agent Licensed in CA, CO, GA, IL & VA

Answered by Shahwali Hotaki Medicare Insurance Agent

Patricia Graham · Answer

I feel in some certain circumstances they can but when I'm finding after the changes to Medicare supplement companies no longer give you a guaranteed issue after the first year back into a Medicare supplement so think long and hard.

Answered by Patricia Graham on March 16, 2026

Agent Licensed in WA

Answered by Patricia Graham Medicare Insurance Agent

Aisha Saleem · Answer

Medicare Advantage plans have an incentive to focus on preventive care, especially for chronic conditions, which can prevent big events from happening - such as hospitalization which costs more. Preventing hospitalization saves more than just money, as it adds to the quality of life for clients.

Answered by Aisha Saleem on March 17, 2025

Agent Licensed in MD & FL

Answered by Aisha Saleem Medicare Insurance Agent

Jim Carroll · Answer

Too many seniors tell me they want a Medicare Advantage Plan because they are on a fixed income and the plan is "free". It's not free.

Yes, most have a $0 monthly premium. But, if a senior is not healthy, the money is quickly spen on:

Office visit copays for specialists
Diagnostic tests
High-tier prescriptions
Deductibles
The amount you pay once you meet your deductible until you reach the Maximum Out-Of-Pocket (which you might never reach every year)

So, a Medicare Advantage Plan will only save money in the long run if it is one with a Part B giveback and it's never used for anything beyond preventative care (colorectal cancer screenings, women's visits, etc.). Otherwise, without an additional indemnity policy that covers the deficiencies of an Advantage Plan, the unexpected expenses can add up fast.

Marta Iris González · Answer

✅ Sometimes — but not always. It depends on your health needs and how you use your benefits.

Here’s the breakdown 👇

💵 Potential Savings:
	•	Lower or $0 monthly premiums compared to Medigap
	•	Out-of-pocket maximum (unlike Original Medicare)
	•	Extra benefits like dental, vision, hearing, and gym memberships

⚠️ Possible Downsides:
	•	Copays and coinsurance can add up if you need frequent care
	•	Limited provider networks — you might pay more to see out-of-network doctors
	•	Some services require prior authorization, which can delay care

💡 Bottom line:
If you’re generally healthy and stay within your plan’s network, Medicare Advantage can save money.
But if you have chronic conditions or prefer flexibility, Original Medicare + Medigap may cost more upfront but save you long-term stress and surprise bills.

Anthony Albano · Answer

Medicare advantage plans can be very beneficial and saving people money as compared to original Medicare Only
MAPD pain will also include prescription coverage, which would be a very big savings as well
Most of your co-pays will be predictable

Erica Huffstetler · Answer

It really depends on your health needs and budget. A licensed Medicare agent can explain the differences between Advantage and Medigap plans so you can decide which one fits your situation best.

Robert Moore · Answer

Medicare Advantage can be a cost savings for many seniors.  With drug, vision, and dental care included, many people who are budget conscious can take advantage of this.

Hector Vazquez · Answer

The answer is "yes but It depends". Compared to Original Medicare alone the savings are HUGE! In average advantage members save due to most plans having zero or low premiums and zero or low deductibles with a max annual out of pocket amount something Original medicare doesn't have. 

Some people compare Medicare Advantage to Medicare Supplements but the comparison is not apples to apples. The big disadvantage Medicare Advantage when compared to med supps is not financial, is the accessibility to providers due to network restrictions. Med supps are standardized mostly while Medicare Advantage plans are designed in many shapes and forms to accommodate different populations, incomes and in some cases even specific medical conditions. 
 
The answer is Yes they could save people a lot of money. Speak to a licensed and objective agent before making a decision on a plan.

Daniel Keane · Answer

Insurance whether a Medicare Advantage Plan or Medigap Plan is a transfer of Risk. Medicare Advantage Plans, in my experience, do save seniors money if designed properly.

Brittany Morris · Answer

This answer is provided in a video format. Watch the agent's video response here: https://medicareagentshub.com/questions/do-medicare-advantage-plans-really-save-seniors-money-in-the-long-run-why-or-why-not#brittany-morris

Michael Hixson · Answer

Absolutely! With Original Medicare, there is no STOP to your risk of cost. With Part A the Hospital Deductible is $1,676 for days 1-60, then a per-day copay of $419 for days 61-90 and $838 per-day copay for days 91-150. After that Original Medicare doesn't cover any cost. Outpatient cost or Part B has an annual Deductible of $257 and a 20% unlimited copay. All Medicare Advantage Plans have what is called a Maximum Out Of Pocket limit. This limits your risk.

Answered by Michael Hixson on April 28, 2025

Broker Licensed in OK, AR & TX

Answered by Michael Hixson Medicare Insurance Agent

Darko Bozic · Answer

It is really impossible to tell. Every situation is unique. Let's say you compare an Advantage plan with a Supplement plan. Advantage plan could cost as low as $0 monthly (still have to pay Part B), includes a prescription plan as well as some dental, vision and hearing benefits plus some other extras such as over-the-counter debit card. Supplemental plans do not offer any of those and might cost let's say some $200 per month. You still have to pay your Medicare Part B premium, get a separate drug plan as well as dental/vision/hearing coverage but you get more freedom when choosing your providers ,little if any co-pays, no referrals,...For some additional clarity, of all Medicare beneficiaries about 50% have an Advantage plan and about 20% have a supplement plan.

Answered by Darko Bozic on April 9, 2025

Broker Licensed in OH

Answered by Darko Bozic Medicare Insurance Agent

Nicolas Johnson · Answer

That depends on a bunch of different factors. Determining needs on a case by case basis is the best way to analyze if a Medicare Advantage plan will save money in the long run.

Ricardo Sanches · Answer

Yes, in the long run a Medicare Advantage plan can save seniors for cost of care. However, the best way to save in a Medicare Advantage plan is to make sure you have chosen the correct health plan. Not all Medicare Advantage plans are created equal.

Answered by Ricardo Sanches on November 17, 2025

Broker Licensed in CA

Answered by Ricardo Sanches Medicare Insurance Agent

Debra Weber · Answer

I believe that it depends on the coverage and their needs.  Some plans are better than others.  It is a very personal decision.

Shannon Mayfield · Answer

This is a complex question that will need to be viewed from the lens of the unique needs each individual has. There are pros and cons to Medicare Advantage plans. They work great for some and there are better options for others. In order to answer this question fully, it would take a review of your personal situation.

Answered by Shannon Mayfield on May 19, 2025

Broker Licensed in ID

Answered by Shannon Mayfield Medicare Insurance Agent

Mike Sosso · Answer

Enrolling in Medicare Advantage or Plan C, actually disenrolls you from Original Medicare and Medicare is no longer your insurance provider. Instead, Medicare pays a private insurance company, the Advantage plan you choose, a fixed dollar amount based on your geographic location, whether you see them for services or not!  In exchange, the Advantage plan assumes 100% responsibility for all costs for care. As a result, all Advantage plans impose cost sharing requirements through coinsurance and co-pays with annual out of pocket expenses for members ranging from $2,550 to $11,900 per year. Be sure to look at this closely if you are considering an Advantage plan so you are not surprised by a high bill after treatment. 

The benefit of Medicare Advantage is typically lower up-front cost like little to no premium and they often include limited benefits on dental, vision, and even gym memberships to encourage enrollment, but when major medical care is needed, clients may experience delayed and limited care options as well as higher overall out of pocket costs for care.   

Original Medicare on the contrary allows you to go to any doctor, hospital, or provider that accepts Medicare. Medicare is primary insurance and pays providers for services when rendered with no preauthorization requirements for standard Medicare services. We recommend a good Medicare Supplement policy (Medigap) to the cover the cost for services Medicare approves but does not pay which reduces your annual out-of-pocket cost for approved services to as low as $257 per year in 2025 on a plan G.  

Because Original Medicare with Medigap provides clients a better overall healthcare experience due to the increased service options available to clients along with a lower overall out of pocket costs for care when needed. For this reason we believe the better overall care experience far outweights the modest needed to cover the upfront costs for supplemental insurance premiums.

Deborah Krump · Answer

A Medicare Supplement is the best coverage, especially long term. No referrals, no networks or yearly contract to be concerned with. However, Medicare supplements do have higher premiums and do not cover dental, vision or hearing.

Answered by Deborah Krump on October 27, 2025

Agent Licensed in MN

Answered by Deborah Krump Medicare Insurance Agent

Muriel Evans · Answer

Short Answer: Medicare Advantage plans can save seniors money in the long run, but whether they do depends heavily on individual health needs, provider preferences, and how often care is used. They often have lower premiums and extra benefits, but may lead to higher out‑of‑pocket costs if extensive or specialized care is need

Answered by Muriel Evans on December 9, 2025

Broker Licensed in TX, AZ, GA & 5 other states

Answered by Muriel Evans Medicare Insurance Agent

Hope Foutz · Answer

The best option depends on each beneficiary’s unique needs. It's highly recommended to work with a licensed agent who can assess your specific situation and guide you toward the plan that fits you best.

Answered by Hope Foutz on September 17, 2025

Broker Licensed in FL & PA

Answered by Hope Foutz Medicare Insurance Agent

Do Medicare Advantage plans really save seniors money in the long run? Why or why not?

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