Is it better to get Medicare Part D or Medicare Advantage?

Question

Tony Capraro III · Accepted Answer

This answer is provided in a video format. Watch the agent's video response here: https://medicareagentshub.com/questions/is-it-better-to-get-medicare-part-d-or-medicare-advantage#tony-capraro

Renee Brown · Answer

There really isn't a perfect answer to this question. It is based on what each person's needs and the how they want to be covered. The best choice really is an individual choice and how they look at their insurance needs and money they want to have to spend monthly on their insurance.
More often Part D plans will have a higher Deductible and copay costs over a Medicare Advantage, so looking at each person's medications is a must when deciding on these plans.

Kyle Kokot · Answer

The question here should be... Is it better to go with a Medigap and part D vs Medicare Advantage part C. When trying to decide this will be based off a few factors. 

1. How's your health?
2. Can you afford going the Medigap route?
3. Do you travel often?

There are a few other questions we would ask someone one but it will be different for everyone.

The short answer to this would be there is nothing as good as going with Medicare, supplement and a drug card but on the flipside it is a way more expensive route and weather you are sick or not you will pay premiums.

Timothy Brown · Answer

That depends on your situation. Prescription drug coverage included with Medicare Advantage plans tend to have lower to no Part D deductibles as well as lower copays whereas stand alone Part D plans include a separate premium are subject to a deductible for brand name prescriptions on tiers 3-5.

Answered by Timothy Brown on April 8, 2025

Broker Licensed in PA, CT, DE & 15 other states

Answered by Timothy Brown Medicare Insurance Agent

Glenn Alterman · Answer

The answer depends upon if you have Part D coverage as good or better from work and if so you can avoid a Part D penalty. However, since Part D is no cost, why would you not sign up? You can call me at 800-891-5151 and I will sign you up for this plan depending upon your zip code and suggest a Plan G supplement with Silver Sneakers so you can see any doctor taking Medicare I would only take an Advantage plan if you can live with network restrictions but want dental, vision, transportation, Spendable’s card, and other benefits for zero monthly premium

Answered by Glenn Alterman on April 20, 2025

Broker Licensed in TX, AZ, CA & FL, NJ, OH & TN

Answered by Glenn Alterman Medicare Insurance Agent

Taylor Blankenship · Answer

Everyone’s situation is different so in reality we would need to sit down and go over the options and compare. But in most cases Medicare Advantage plans have more benefits with great Drug coverage.

Is it better to get Medicare Part D or Medicare Advantage?

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Is it better to get Medicare Part D or Medicare Advantage?

Agents: Share Your Expertise

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A non-government resource website