Is Original Medicare or Medicare Advantage better? Why do you recommend one over the other?

Question

Abbie Choate · Accepted Answer

It will be different for everyone.

Original Medicare lets you see any doctor that accepts Medicare and pairs well with a Medigap plan to lower out-of-pocket costs, but it doesn’t cover dental, vision, or prescriptions.

Medicare Advantage bundles everything, often with extra benefits like dental and vision, but you have to stick to a network of doctors.

If you want flexibility, Original Medicare with Medigap is usually better. If you prefer an all-in-one plan with lower upfront costs, Medicare Advantage might be the way to go.

Gary Church · Answer

There are PRO’s and Cons to any Medicare plan. The question is do you want to manage your healthcare or would you like the insurance company to manage your health?

Mike Alexander · Answer

For some Advantage works best , for some, for others Traditional medicare is best. Each person has their own needs, a good advisor will show you both

Steve and Sue Brauer · Answer

Hi, thanks for watching. So the question is, is original Medicare or Medicare Advantage better and why would I recommend one over the other? I tell people all the time, if you live in the Phoenix area, if you live in Florida, many parts of Florida, or other parts of the country that have a large 65 plus population, a Medicare Advantage plan most likely would work out really well because the network is so big. There's a lot of competition. If you live in rural areas, if you're in states that don't have large 65 plus populations, I probably would not go with a Medicare Advantage plan because the networks are really thin. In that case, I would go with a supplement. They call it a Medigap plan. You can go to any doctor that accepts Medicare, and usually you don't have to pay anything for the services, but there's a monthly cost for the supplement. So you've got to weigh one with the other.

Mark Bilgere · Answer

Unfortunately it's impossible to say if one is better than the other. Because they have different features and regulations, it is like comparing apples to oranges. What matters most is what fits your situation the best.

Original Medicare does not require the use of networks, prior authorizations or referrals. However it has deductibles and copays that could add up to very high medical bills. It does not include any dental coverage, routine eye checkups or hearing checks.

Medicare Advantage plans usually pay the Medicare deductibles, but have set copays for the services you use. One of the best features of the Advantage plan is it has a Maximum Out of Pocket Limit. This MOOP prevents your medical bills from becoming catastrophic in one calendar year. On the down side, Advantage plans do rely on network adherence, prior authorizations and usually referrals.

Work with a local broker in your area who can explain all the differences and help you select what will be the best for you.

Norman Smith · Answer

The Best you can do if it fits your abilities, is Original Medicare with a G Supplement Plan. This allows you complete choice of Doctors and Facilities. It travels with you regardless of where you are in the USA and territories. There are no needed referrals or Co-Pays, or Co-Insurance. Simply pay your Premiums for Part B, and your Supplement, and you will have only a $257 Part B deductible, and not receive another bill the rest of the year. No worries if a PCP or facility won’t accept the Medicare Advantage plan any longer, or the Co-Pays, Deductibles, or MOOP is too much.
And the thing that is vitally important is that you want to get this while you are without any Underwriting, whether healthy now or not! Why would you roll the dice?!?! Your health is not a gamble. Remember, the “F” plan was the highest plan until 1/1/2020. Before that there were “I” and “J” plans that were the best and replaced. Don’t wait to get a lesser plan that exempts more benefits.

William Lawler · Answer

I would recommend Advantage with Original Medicare(OM) rather than OM alone. Advantage covers costs that OM does not. Advantage plans cover drugs, vision, dental and hearing costs that OM does not.

Larry Dalton · Answer

It depends upon your location, how much you travel, where you would like to receive coverage if the unexpected happens, and the fact that cheap is not always the best in the long run. This answer cannot be given as good or bad; everybody's circumstances are different.

Answered by Larry Dalton on March 26, 2025

Broker Licensed in OK & TX

Answered by Larry Dalton Medicare Insurance Agent

Terri Reagin · Answer

Original Medicare by itself has NO maximum. With that said, I don't subscribe to a one size fits all mentality or that one is "Better" than the other. It quite simply depends on the needs and wants of the client.

Answered by Terri Reagin on August 5, 2025

Broker Licensed in OK, AR, CO & 6 other states

Answered by Terri Reagin Medicare Insurance Agent

Christopher Boyd · Answer

This is not a cookie answer for either option and if you talk to an agent who pushes one option over the other, go somewhere else.
For some citizens who receive Federal, State, or VA financial assistance, Medicare Advantage may be their only option. For Military Retirees who have TriCare for Life as an example, they currently would not need to pay for a Medicare Supplement. 
Know Your Customer, is an Insurance saying which means the agent/broker should explain all options available to the senior. 
In most states and zip codes, there are several Medicare Supplements such as Plan G, Plan N, High Deductible G, etc as well as several Medicare Advantage Plans. The senior should spend some time with the agent and gain a thorough understanding of all options available to them based on their unique circumstances.

George Ibanez · Answer

Medicare supplements give you the flexibility to go to any doctor you want or any hospital you want, without pre-authorizations and they do not have copays unlike Medicare Advantage plans.
They are just a formidable option  and much better than Medicare Advantage plans, however, they are not free and you will have a monthly premium.

George Ibanez

Voss Speros · Answer

It really depends on the person. I'm licensed to offer both Med Adv & Med Sups
OM is the OG... it gets things done. 
Part A is no cost as long as you worked 10 years and paid in. 
Part B cost in 2025 $185 month

OM is an 80/20... covers 80% of your healthcare your responsible for 20%.
Two options to cover the 20%:

A Supplement/Medigap plan can cover the 20% at a monthly cost.  
(Supps/Medi is not a Medicare Plan. It is straight Insurance to cover the 20%)
You'll also need a Part D Drug Plan at a monthly cost. 

Medicare Advantage is Medicare Part C. Insurance Carriers contract with Medicare to offer Medicare.    It generally costs $0 month, turns the 20% into minimum co-payments for service at time of use.         It usually includes the Part D     It also includes other non-Medicare Covered Benefits. 

It really comes down to what each person's healthcare is like and what they can afford. There are lots of other variables past those... That's why it's good to meet with a Broker

Mark Maliwauki · Answer

Original Medicare Part A and Part B would be very costly in the event of a serious or catastrophic accident or injury. You would pay 20% out of pocket for all expenses incurred. A Medicare Advantage plan has a Maximum Out of Pocket that limits your liability and caps your costs.

Answered by Mark Maliwauki on March 4, 2025

Broker Licensed in ID, AZ, CA & 13 other states

Answered by Mark Maliwauki Medicare Insurance Agent

Charise Karjala · Answer

This question is, "Is original Medicare or Medicare Advantage better?" It's a bit of a red herring because it begs the question, better for who? Better for what? One needs to do a thorough needs analysis to understand what their resources are, what their needs are currently, and what their reasonably expected needs will be, along with the resources available in their community, to really determine the answer to this question. So this is not a blanket yes or no question. Unfortunately, in our discourse and narrative in this country, we seem to want to talk about it as either/or. And it's not an either/or. We have what I refer to as a three-tier system in our country. We have the Medi-Cal system or the Medicaid system, which serves the least of us. We have a commitment in this country to take care of the poorest of the poor and the disabled. Thank God we do that, and we do that efficiently and affordably. We have a commitment to do that, at least at this time. So that's our first tier. Our second tier is a hybrid tier, which is Medicare Advantage. It's subsidized through Medicaid, through Medicare, and through the insurance companies, and it's administered privately. So it's very, very efficient, and it meets the needs of the majority of individuals in this country because it's affordable. The system is largely managed care. There is some that is POS, which doesn't stand for poop on sticks; it stands for point of sale. So, no, it's a good system. The challenge there is that it's limited. It serves about 80% of the people most of the time. It's the 20% that misses the mark badly. So that's where we have the benefit of original Medicare. At this point, the individuals that choose original Medicare are those that have the wherewithal to pay for it and have the understanding, the conceptual understanding of the breadth and depth of the original Medicare system. In other words, we have the best damn medical system on the planet here that's available at our fingertips if we can pay for it. Most people want that. So it's up to the individual to determine what their needs are, what their capacity to pay is, and what their resources are. So there is no one best. Thank you.

Tony Capraro III · Answer

Is Original Medicare or Medicare Advantage better? Why do you recommend one over the other? That question is asked in my office every single day here at State Farm on Kelly Street in Manchester, New Hampshire. What you want to do is work with someone who knows this info inside and out and can give you all the good and all the bad.

What you also want to look at is whether Medicare Advantage is better than Original Medicare. Is a Medicare supplement better? What about my Part D plan? Work with someone like myself who can offer all of those options to you. We don't recommend one over the other. We sit with each individual client or couple and let them decide what makes the best sense for them. We give them great information so that they can make great decisions.

This is way too important to put off or make quick decisions about Medicare. So work with someone like myself. I'll be glad to help you, let you know all the good and all the bad, and then let you decide what makes the best sense for you. Please allow us to do that. Thank you.

Lynn C Shurtleff · Answer

It all depends on your situation. Everyone is different so for some a Medicare Advantage may be a better fit and for others original Medicare with a supplement and a stand alone PDP. Almost never is just Medicare a better fit.

Answered by Lynn C Shurtleff on September 28, 2025

Broker Licensed in TN, AR, CO & 6 other states

Answered by Lynn C Shurtleff Medicare Insurance Agent

Jonathan Potter · Answer

Original Medicare and Medicare advantage are two great options and one is definitely not better than the other. Medicare supplements are really good for people who travel a lot and for somebody who has a chronic condition where they are going to be spending a lot of money out of pocket every month to maintain that condition. Medicare advantage is really good if you generally stay in your area and if you only see the doctor a couple times a year. It’s good to have the information about both plans and make a decision knowing all of the options.

Answered by Jonathan Potter on September 15, 2025

Broker Licensed in UT, AZ, CA & 14 other states

Answered by Jonathan Potter Medicare Insurance Agent

Ronnie Robinson Jr · Answer

It depends on the individual; even in a marriage, people need or want personalized coverage. Being a national independent broker, we have the ability to show each person both options.

Ray McCauley · Answer

If you want a greater choice of doctors go original medicare. if you want lower expenses and extra benef its that original medicare doesnt offer then go medicare advantage

Gregg Matheny · Answer

Medicare advantage is great for covering a large number of services at a pre-negotiated lowered rate BUT You do have to stay with a carrier’s network And some procedures may require prior authorization Which can be very cumbersome at times. Original Medicare leaves you open to paying the full 20% that is not covered But you do not have a network of doctors that you need to stay within, rather any hospital or doctor that accepts Medicare would be someplace that you can go.

Answered by Gregg Matheny on March 25, 2025

Agent Licensed in AZ & UT

Answered by Gregg Matheny Medicare Insurance Agent

Nikki Rowland · Answer

Because Medicare is a not a one size fits all plan, I never recommend one over the other without  first doing a full needs analysis.  Both options can work well if this is done first.

Jacqueline Proffit · Answer

Great question — the answer really depends on your health needs, lifestyle, and budget. 
Rule of Thumb is -
Choose Original Medicare if you value freedom to see any doctor, travel a lot, or want stable, predictable coverage (especially with Medigap).
Choose Medicare Advantage if you prefer lower premiums, want extra benefits (dental, vision, hearing), and don’t mind sticking to a provider network.

Michael Denniston · Answer

There are many answers to this question. This really depends on each individuals needs, no two people have the same needs. One of main differences is that with original Medicare you have no maximum out of pocket on a yearly basis. Medicare Advantage Plans do have have a maximum out of pocket each year. Medicare Advantage plans usually have defined networks of doctors and facilities. Original Medicare has no defined network of doctors and facilities. With original Medicare you can use any doctor or facility that accepts Medicare. There are many differences but these are two big differences. Talk with a professional before you decide is my suggestion.

Answered by Michael Denniston on June 25, 2025

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

Answered by Michael Denniston Medicare Insurance Agent

Nick Mangini · Answer

We always advise getting Medicare + Supplement Plan because it will cover you 100% and eliminates most of your out of pocket costs! You can have the freedom to visit any doctor, specialist, hospital nationwide and no referrals. It's the absolute best coverage available! Medicare Advantage plans will never provide this type of coverage and you will have out of pocket costs and you will have networks to be limited to. Get a Medigap Plan and never think about it again!

Answered by Nick Mangini on August 24, 2025

Broker Licensed in FL, AL, AZ & 32 other states

Answered by Nick Mangini Medicare Insurance Agent

Melonie Wood · Answer

Both Medicare Supplement Plans & Medicare Advantage are good plans for members depending on many factors:  Do you Travel a lot out of state?  Are costs a concern ?  Do you want to be able to go to any provider ?  Do you want to pay up front monthly with $0 co pay/$0 doctor visit/$0 for procedures/ $0 hospital stays/......
With Medicare Supplenet you pay monthly whether you go to the doctor or not, these plans can be expensive/ are medically underwritten & you must buy a Part D also.  Medicare Advantage includes drug coverage/ caps your costs, are usually $0 monthly premium/ $ for your doctor unless a specialist

Misty Bolt · Answer

This is a great question. Hi, I'm Medicare Misty. For those that don't know, I'm licensed in 45 states, I have over 50 agents, and I keep getting these questions every day. I got a good one today: Is Original Medicare or a Medicare Advantage plan better, and why do you recommend one over the other? That's kind of a loaded question, because it depends on what medications you take, who your doctors are, and how much you travel. So it's hard to do a blanket statement for everybody.

I go over both options and then let you choose which one you like better. Then I show you the options with Original Medicare. If you choose Medicare Advantage, then I show you the options with Medicare Advantage, and you choose which is the best for you. Which one has the benefits that you want? Which one is more affordable? I'm just here to help you through the maze, because depending on where you live, there are anywhere from 15 to 45 different plans, and that's very confusing. Let alone one plan, but 45 different options—how do I choose the right plan? Everybody tells me and calls and says that. So you don't have to worry about that; that's what I'm for. I have 20 years of experience just doing Medicare, and I'm licensed in 45 states with over 50 agents.

Steven Litzsinger · Answer

Medicare Advantage is Medicare and simply means that a non-government 3rd party (carrier) is administering the Medicare benefits. 

There are pros and cons to each option. 

Original "Traditional" Medicare- Wide Network, No Max Out of Pocket Limits to Cost Shares                   


 Medicare Advantage- Narrow Network that is Specific to Carrier, reduces risks with Max Out of Pocket (MOOP) per year, and extra benefits that are not part of Original Medicare like Dental, Vision, Hearing, Transportation, OTC, etc.... 

We serve clients that have Original Medicare with a Stand-alone Part D, Original Medicare with a Stand alone Part D and Medicare Supplement Plan, and clients that have elected to take advantage of the reduced MOOP risks and extra benefits associated with selecting a Medicare Advantage Plan. 

Regardless of the 3 aforementioned options, they are ALL MEDICARE and operate and abide by the same rules and coverage determination.

William Gray · Answer

This is a very loaded question. 

Here is what I tell my clients, when choosing a Medicare plan. It is important to realize that while I can move you from one Medicare Advantage plan to another year to year.  

You many not have this option with Medicare supplement once in you cannot be cancelled but the company is not required to accept new clients without underwriting them based on health.

Michael Andrews · Answer

So the question is, is original Medicare or Medicare Advantage better? What do you recommend, one over the other? As far as making a recommendation, I think the best way to compare the two would be to look at a Medicare Advantage plan with or without drug coverage versus original Medicare with a supplement.

Now, with original Medicare and a supplement, you can see any doctor in the country that you choose. You'll pay an additional premium per month, but you have very little to no out-of-pocket expenses when you need to use it. So you'll pay more per month, but there's more predictability in what you'll pay.

Medicare Advantage plans typically mean you get what you pay for. There are zero premium plans. However, there are higher copays, higher coinsurance, and a lot more network restrictions.

As far as one being better than the other, it really depends on your specific situation, needs, and preferences. And as always, I'm here and happy to help.

James Carlson · Answer

I am more in favor of original Medicare.  I know every doctor will see me and I can travel or move and maintain my plan.  I am not tired to a network.

Darlene Murphy · Answer

That is specific to each individual person, and coverage area. No 2 cases are exactly alike, seek help from a trusted advisor.

Robert Pennington · Answer

I recommend Medicare Advantage because it covers Medicare Part A, B, C, and D plus Dental, Vision and Hearing and a multitude of other Benefits. With Original Medicare, you pay 20% of all cost plus paying for Rx, Dental, Vision, and Hearing out of pocket.

Answered by Robert Pennington on March 25, 2025

Broker Licensed in NC, GA, SC & VA

Answered by Robert Pennington Medicare Insurance Agent

Marsha Reiniers · Answer

The type of plan you choose depends on your individual situation. Some people choose a Medicare Supplement plan because they can afford the premium and value having complete choice of medical providers without regard to whether they are in network or not. Others value the Medicare Advantage plan and like the extra ancillary benefits they offer. They may feel comfortable with a managed health plan since the doctors they see are in network for the plan they select. The most important consideration is choosing the plan that works best for you - not necessarily the plan your friend or neighbor may have. Make that determination for yourself with the help of an agent who can assist you in making the best decision for your specific health and financial situation

Answered by Marsha Reiniers on April 7, 2025

Agent Licensed in FL, GA, MI & NC, PA, SC & VA

Answered by Marsha Reiniers Medicare Insurance Agent

Donnie Vermillion · Answer

The downside to staying with original medicare Parts A and B is the risk of having to pay the 2026 Part A deductible of $1736 more than once. It is based off of benefit periods and not a calendar year. Meaning that if you have a bad year you could pay this more than once. 

At least with an advantage plan you may have the opportunity to get a plan with a set max out of pocket for the year. Advantage plans have referral and pre-authorization requirements. These plans can feel restrictive. 

A Medigap / Medicare Supplement plan offers predictable cost and freedom to see any provider that accepts Medicare.

Carly Cusack · Answer

It's not that one is better, they are different ways to receive coverage. Original Medicare covers Part A (hospital coverage) and Part B ( doctors and outpatient services). If you only have Original Medicare it covers 80% of services needed. This creates a financial risk for people. In order to close that financial risk, people will add a Medicare Advantage plan. That plan then becomes their primary insurance and covers their Part A and Part B along with benefits outside of Original Medicare like dental, hearing and vision.

Answered by Carly Cusack on August 24, 2025

Broker Licensed in OR & WA

Answered by Carly Cusack Medicare Insurance Agent

Ravi Natarajan · Answer

That is not a simple answer.... Original Medicare has a wider network of Hospitals and Doctors in the Network as opposed to a Medicare Advantage Plan. However, the Medicare Advantage Plan may offer additional benefits, reduce out-of-pocket costs, and provide prescription drug coverage as well. Consult with a professional...

Answered by Ravi Natarajan on October 14, 2025

Broker Licensed in MA, AZ, CA & 12 other states

Answered by Ravi Natarajan Medicare Insurance Agent

Jennifer McDonnell · Answer

Original Medicare alone is risky. With Original Medicare and a supplement you have excellent coverage and very limited financial risk for your Medical services. When someone tells me they only want Medicare A and B and nothing else, I remind them that Medicare Part B covers only 80% and that most cancer treatment is handled by Medicare Part B and highly recommend they have a Medigap or Medicare Advantage plan. Many who have limited income choose the Medicare Advantage as it limits their financial risk to what is called the 'Maxium out of pocket'.

Answered by Jennifer McDonnell on May 26, 2025

Broker Licensed in MI, AZ, CA & 10 other states

Answered by Jennifer McDonnell Medicare Insurance Agent

Mary Turner · Answer

Original Medicare by itself does not have a MOOP - maximum out of pocket limit - and should be used with a Medicare supplement and drug plan.  This coverage has a monthly premium but allows you ease of use and access to any Medicare provider.

Medicare advantage plans typically have no premium and you usually get additional benefits such as dental, etc. They have networks, copays and coinsurance and you may need referrals or prior authorization.  

Which option is best for you is based on your specific situation.   They are both viable options.

Charles Fletcher · Answer

Original Medicare is fully wrapped into all Medicare Advantage plans. Even the rights and privileges of Original Medicare are included. So, in most situations an MA plan would be better than merely have Original Medicare. MA plans add other coverage in additional to the 80% coverage of Original Medicare such as helping cover to a great degree the 20% gap. MA plan frequently add supplemental benefits such as dental, hearing, vision routine care, Over the Counter spending benefits and no or low cost gym memberships. These supplemental benefits are not covered by Original Medicare.

Answered by Charles Fletcher on March 24, 2025

Agent Licensed in WA, AZ, ID, NV & TN

Answered by Charles Fletcher Medicare Insurance Agent

Jeffrey Jon · Answer

There is no recommendation over another because it is a personal choice as to what your preferences are. With Original Medicare you have no network, and it is accepted in all 50 states. You are responsible for the 20% and there is no ceiling to that 20%. You would have to pick up auxiliaries such as prescription drug plan, dental, vision, and hearing if you wish, as well as a Hospital Indemnity Plan to help with the hospital co pays. 

With an MAPD plan you have a network. You would have to ensure your doctors and your medications are covered under that plan. Not every doctor accepts all plans. They may include Dental, Vision, and Hearing, and they offer a ceiling or maximum out of pocket expense. 

In either situation you would have co pays or co insurance, unless you pick up a Medicare Supplement policy to go with Original Medicare which can limit co-pays and co-insurance.

Jay Larshus · Answer

I sell both Medicare Supplements to pair with Original Medicare and Medicare Advantage plans. The decision to choose one over the other is dependent on a number of items. I will discuss both the advantages and disadvantages of each type of plan.

Answered by Jay Larshus on March 25, 2025

Agent Licensed in TN & VA

Answered by Jay Larshus Medicare Insurance Agent

Edward Givens · Answer

When you turn 65, Uncle Sam gives you a gift. It’s called Medicare—and it covers a lot. Hospital stays. Doctor visits. Some preventive care.
But what many folks don’t realize is this: Medicare doesn’t pay for everything.
 In fact… it only covers about 80% of your approved healthcare costs.
And so… you have a choice to make.
On one hand, there’s something called a Medigap plan—also known as Medicare Supplement Insurance. These plans work with Original Medicare. They’re simple, straightforward. You go to any doctor or hospital that takes Medicare, anywhere in the country. And when Medicare pays its share… your Medigap plan picks up the rest.
No networks. No referrals. No surprises.
 That’s freedom.
But there’s another option. One that’s been heavily marketed in shiny brochures and flashy commercials. It’s called Medicare Advantage.
Now here’s the twist:
 Medicare Advantage plans are run by private insurance companies—not the government. You’re still in Medicare, yes, but you’ve handed the reins over to a company. They decide what’s covered, what’s not, and where you can go for care.
You may get extra perks like dental or vision… but you may also face restricted networks, prior authorizations, and unexpected out-of-pocket costs.
So which one’s better?
That… depends on you.
Do you travel? Want the freedom to choose any doctor who takes Medicare? Medigap might be your match.
 Prefer a lower monthly premium and are okay with networks and co-pays? Medicare Advantage could work.
But this isn’t a decision to make with a coin toss or a TV commercial.
It’s a decision to make with someone who knows your health, your budget, and all the options available.
Someone like a non-captive Medicare agent—who works for you, not the insurance companies.
Because when it comes to your health, there’s no one-size-fits-all plan.

Ruben Trejo · Answer

There’s really no "one-size-fits-all" answer, it really depends on the individual's needs. Original Medicare gives you more freedom to see any doctor that accepts Medicare and works great if you pair it with a Medigap plan to cover out-of-pocket costs. 
Medicare Advantage can be a solid choice if you want lower monthly premiums, extra benefits (like dental, vision, and hearing), and a max out-of-pocket limit, but you’ll need to stick to a network of doctors. I don’t push one over the other, I just place both options in front of my client, ask the right questions, and help them find what works best for their health and budget needs.

Joel Gregory Craven · Answer

Words like better best are different for everyone. Your financial situation is the first set in determining your optimal product. If you are wealthy or above average income then you probably prefer paying extra to receive the level of services that meet your standards on the other hand if you are financially strapped or barely making ends meet, then getting the most out of your options becomes the priority along with adequate insurance and medical coverage. So it depends a lot on the resources available to you. Medicare Adavatage was designed for several reasons but one main feature is no medical underwriting. As you age and your health fails due genetics abuse or and or natural causes then it is harder to get approved or underwritten by medigap (Medicare supplement carriers) The best advice I can give you is study the pros and cons of each product and make an educated decision using the knowledge and experience of a experienced honest agent. There’s no quick fix answer to this question it is determined by the risk you are willing to take and or benefits available to you and what you are willing to accept or reject. If the monthly premiums and flexibility of a medigap appeals to you then that’s what’s best for you. However if the extra benefits are what you lack and desire and you don’t mind the rules and regulations that go along with Medicare advantage then that’s what’s better for you. If you don’t take the time to research and understand the differences then you will not be able to answer your own question.

Answered by Joel Gregory Craven on December 20, 2025

Broker Licensed in MS, AL, AZ & 5 other states

Answered by Joel Gregory Craven Medicare Insurance Agent

Christopher Palazzini · Answer

My job is to explain both. Original Medicare and Medicare Advantage (part C) both have pros and cons. Original Medicare with a Supplement will give you more freedom and flexibility while traveling the country and covering almost all out of pockets other than a Medicare Part B deductible of $257 annually. 

A Part C Advantage plan will limit your monthly premiums however you must follow third party guidelines such as copays, maximum yearly out of pockets, networks, doctors etc. while adding some extended benefits like dental and vision.

Robert Reed · Answer

I would recommend Medicare advantage over original Medicare because original Medicare leaves the recipient exposed to 20% of all costs as it pertains to doctors and hospitals. Also, there are deductibles that need to be met and Medicare does nothing to help cover the cost of prescription drugs. Medicare advantage helps in all of those instances

Answered by Robert Reed on March 9, 2026

Agent Licensed in TX

Answered by Robert Reed Medicare Insurance Agent

Steven DiPaolo · Answer

My joke is, the words insurance and best do not belong in the same sentence. 

They are different, pros and cons to each, as is everything in life..

Supplements give you the most freedom and flexibility, but freedom is not free. Rising cost over time with supplements could lead to you dropping the coverage when you need it the most. This is the most reliable coverage with the least amount of restrictions, but overall the highest cost when looking at the G or N which are most common. Hi Deductible G could be a good compromise and competitive to advantage options. 

Advantage plans can have lower costs, but come with more restrictions, such as getting approval for treatments and surgeries. I don't think advantage is all doom and gloom as many seem to propose, however, you are making a deal with the devil. 

My rule of thumb is that, if the client is not too concerned about changing doctors in the future or not being able to access some facilities like Mayo Clinic in FL, as of recent, while looking to save money, then MA plans are viable. 

My next rule of thumb is that unless there is 100/mo of savings, then MA plans may not be worth the restrictions. In that case Hi Ded G would be a strong option to consider. 

Ultimately, use a hammer for nails and a screwdriver for screws, to get the best results possible.

Jennifer Whitworth · Answer

Medicare is a federal health insurance program primarily designed for individuals aged 65 and older, as well as certain younger individuals with disabilities. It consists of two main components: Original Medicare (Part A and Part B) and Medicare Advantage (Part C). Understanding the differences between these two options is crucial for beneficiaries when selecting the plan that best suits their healthcare needs.

When recommending one option over the other, several factors should be considered. Original Medicare may be more suitable for individuals who prefer flexibility in choosing healthcare providers and who do not require extensive additional services. It is also ideal for those who travel frequently and may seek care in different locations across the country.

Medicare Advantage on the other hand, may be recommended for beneficiaries seeking comprehensive coverage in one plan, particularly those who need prescription drug coverage and additional services not included in Original Medicare. Medicare Advantage plans often have lower out-of-pocket costs for routine healthcare services, making them attractive for individuals with predictable healthcare needs.

The choice between Original Medicare and Medicare Advantage should be based on individual health needs, financial considerations, and preferences regarding provider flexibility and additional benefits. Beneficiaries must conduct thorough research and possibly consult with a Medicare advisor to make an informed decision that aligns with their healthcare requirements.

Bryan Smith · Answer

I would never recommend anything site unseen. I need to do a true NEADS analysis with each client. No one has the same situation in life.

Vincent Esposito · Answer

Listen ...here's the short answer. Everybody want to save $$ when their healthy and when they have health issues they don't mind paying more to get more. Some pay more from day one knowing that they know what to expect for the what "ifs" in life

Answered by Vincent Esposito on March 26, 2025

Broker Licensed in NY, FL & NJ

Answered by Vincent Esposito Medicare Insurance Agent

Hope Suhr · Answer

80% coverage,  20% you pay for the coverage.  You do the math.
Here’s my answer:

That 20% can get real expensive—real fast—especially if something major happens. That’s why I recommend looking at coverage that protects you from those big surprise bills.
It’s not about which one is “better.” It’s about which one fits your health needs,

Michele Vina · Answer

That's the million-dollar question!! There is no right or wrong answer, it depends on what is important to you in your health plan. If you want no networks but are willing to pay more for it, than Original Medicare with a supplement and drug plan might be best. However, if keeping monthly cost low and getting additional perks like dental included, you might like a Medicare Advantage plan. I have clients on both sides and as long as they are educated (which I do) about the differences and know why they choose a particular plan, they are usually quite satisfied.

Answered by Michele Vina on June 2, 2025

Broker Licensed in TX, KY, OH & OK

Answered by Michele Vina Medicare Insurance Agent

Karen Moore · Answer

Selecting a Medicare Supplement or Medicare Advantage plan is a very personal choice and greatly depends on a persons lifestyle, their health care needs and what is affordable. Medicare Advantage plans are tied to specific Provider networks. These plans typically have lower monthly plan premiums and function like an umbrella, to include everything that Part A and B cover. Most Medicare Advantage plans include Medicare Part D (drug prescription coverage) and other benefits beyond part A and B, like dental, hearing and vision. Medicare Supplement plans close a portion or all of the remaining 20% that Part A and Part B do not cover.

Jennifer Melancon · Answer

Original Medicare with a supplement is going to be the best coverage anyone is able to get. However, there might be times where an advantage plan could be a good option for someone. 
I will never recommend a specific plan to anyone without meeting them and going over their particular situation first. It's important everyone coming into Medicare gets the full information on both sides before getting locked into something they can't get out of later on in life.

Danny Radisewitz · Answer

We have done hundreds of Medicare meetings and workshops! In all of our experiences we have learned this very important bit of knowledge " it's not what you know that gets you into trouble, what get most folks turning 65 in trouble is the things they think they know... that isn't so"! Trust but verify! We enroll our clients in both Original Medicare with Supplemental Health and Prescription Plans and Medicare Advantage Plans every day. So, pick a path that you feel great about, not what others might think best for you.

Answered by Danny Radisewitz on March 25, 2025

Broker Licensed in SD, IA, MN & ND

Answered by Danny Radisewitz Medicare Insurance Agent

Mark Holmes · Answer

The decision is related to the applicant's financial situation and any migratory habits.  A supplement with Original Medicare, in my opinion, is best for those that are here for part of the year, and there for part of the year, providing access to many different doctors with referrals or authorizations... costing $400-$500 in total with the Supplement, Med Part B, and a D Plan, and maybe some dental and vision to complete the package.

If finances are budgeted more tightly, and perhaps the residence is more stable, I would say an Advantage Plan, Part C, would work well for the lowest premium and all the incorporated benefits of Part D, Dental, and Vision... and quite possibly, a reimbursement toward the Part B Premium each month, which can be substantial in a coupled household.

One other consideration is the IRMA, Increased Medicare B Premium based on income, which can easily double that monthly cost, or more, respectively.  See Medicare.gov/costs.

Shane and Tammy Carpenter · Answer

Simply put, it is not a "one size fits all" answer. For some, Original Medicare with a Supplement with/without a Prescription Drug plan is better and for others a Medicare Advantage Plan is better. Why do I say this? There are many factors to consider such as budget, flexibility, willingness to work with networks or not, health circumstances and more. Only when properly evaluating these circumstances can Original Medicare or Medicare Advantage plan be determined as the better choice.

Answered by Shane and Tammy Carpenter on March 23, 2025

Broker Licensed in OK, FL, OH & PA

Answered by Shane and Tammy Carpenter Medicare Insurance Agent

William Kravit · Answer

No one size fits all.  With Medigaps, you pay a larger monthly premium, but virtually no out of pockets when incurring medical related service expenses.  With an Advantage plan, you pay no monthly premium or an insignificant premium, yet when you incur medical related service expenses you'll pay copays.

Both are wonderful coverages and our recommendation involves many variables and therefore it becomes very personal.

Kevin McIntire · Answer

Every person is different and every situation is different. My job is to properly educate clients about each option and let their peace of mind guide the discussion.

Austin Boyd · Answer

Option 1: Original Medicare with a Medicare Supplement (Medigap plan)

Pros:
- nationwide coverage
- anywhere that accepts Medicare accepts it
- no referrals needed
Cons:
- rates can go up yearly for Medigap
- they don't include extra benefits like dental, vision, and prescription

Option 2: Medicare Advantage

Pros:
- very affordable
- include benefits like dental, vision, and prescription
Cons:
- once you switch, you have to answer medical questions if you ever want to go to a Medicare Supplement (after a 1 year trial)
- they are made up of networks where you have to stay in the area for care (unless a PPO, but costs can be higher)
- you need a referral to see specialists if an HMO

I wouldn't recommend one over the other. Each option works better for each person depending on circumstances.

Teresa Cole · Answer

With original Medicare Part B it is a 80/20 plan.  Medicare pays 80% for and you pay 20%.  With a Medicare Advantage plan you mostly will have a co-pay

Travis Lane · Answer

This is a tough one. The easiest answer... it depends. The reason I say that is because it is such an individualized conversation to find out what is important to that specific client I am speaking to. Both are good options and both are bad options, just depends on that clients individual situation. We go through pros and cons to both so our clients are well informed on their options.

Answered by Travis Lane on March 6, 2025

Broker Licensed in VA

Answered by Travis Lane Medicare Insurance Agent

Steven Bleicher · Answer

I answered this question before but since it may have been missed, here are my three main questions to consider: A) What is the state of your current health?, B) Do you have a comfortable financial picture?, and C) How would you characterize your family’s history of longevity? Once you’ve been honest with yourself, your answer will be obvious. Though the question is awkward. The expression “Original Medicare” strictly only refers to Parts A and B, while the Advantage plan refers to Parts C & D. Most people realize that only having Parts A and B covers you for only 80% of your costs while Parts C/D pick up most of the remaining 20%. However, a Medigap will pay for all of the remaining 20%! Therefore, the latter is MY pick.

Answered by Steven Bleicher on June 16, 2025

Broker Licensed in AZ

Answered by Steven Bleicher Medicare Insurance Agent

Andrew Zurbuch, MBA · Answer

It depends on where you live which determines what Medicare Advantage plans are offered. We have had clients on Medicare Advantage plan for years & they seem to pleased as they continue to renew them. My advice seriously look at getting a Medicare Advantage Policy. Then call a Broker & compare Medicare Advantage & Original Medicare for your current health & what you might need coverage for.
Thank you.

Plans are insured or covered by a Medicare Advantage (HMO, PPO and PFFS) organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Steve Houchens · Answer

Personally I don’t recommend one over the other, instead I educate the client on the pros and cons of each option and help the client decide what plan makes the most since for them bases on health and financial needs of each individual. There is no one size fits all in my opinion as each persons needs and financial situation will vary.

Answered by Steve Houchens on April 2, 2025

Agent Licensed in KY & TN

Answered by Steve Houchens Medicare Insurance Agent

Ron Cronwell · Answer

That answer depends upon many factors. To start what is your medical situation, is the Med Adv plan widely accepted in your county, 

With Original Medicare you would need to sign up for a stand along drug plan, an extra expense compared to Advantage plans.

Do all your doctors Medicare, do all your doctors take the Advantage plan you are considering.

What are the non medical benefits that come with an Advantage plan, such as dental, eye ware, hearing aids, over the counter item coverage, and more.

More than 50% of people on Medicare have a Medicare Advantage Plan. Not all, but you should sit down with a local agent to discuss the pros and cons of your specific situation and finances.

Leslie Kaz · Answer

That really depends on your personal healthcare needs, budget, and priorities—because there’s no one-size-fits-all answer.

Michael Pyers · Answer

If you are going to have original Medicare then there is no maximum amount of pocket like a Medicare Advantage.  However, you may have network or pre-authorization challenges with straight Medicare.

Rich Baker · Answer

I recommend medicare advantage (MA) over original medicare (OM) because:
- MA plans have a maximum out of pocket limit on expenses, after which the plan pays all additional expenses through the end of the plan year (this amount varies by plan). OM does not have a limit of what you can be charged. You pay 20% of infinity. 
- MA plans typically include some level of dental coverage, hearing coverage, and vision coverage. OM does not. 
- Many costs in MA plans are lower than what you would pay under OM. 
- Most MA plans cover unlimited days in the hospital after the copay period (usually the first 5-7 days) at no additional cost. OM charges $1732 upon admission per benefit period (this covers the first 60 days); $419 per day from days 61-90 and $858 per day for days 91-150. After day 150 you pay 100%. While unlikely to happen, an MA plan typically offers better protection for an extended hospital stay. 
- MA plans often offer over the counter coverage for things like vitamins and other health related items
-MA plans often offer incentives for healthy behavior (PCP visits, immunizations, physical activity bonuses) aimed and improving overall health. 

There are many other factors to consider, like medical networks, that could impact your decision making process. I recommend getting with an agent and going through your specific situation and seeing what your options are.

DeeDee Whitlock · Answer

In my opinion original Medicare & Medicare Supplement is the better option! Because it keeps YOU in control of your health options & not the insurance carrier

Chad Watkins · Answer

What is the difference between Medicare Supplement and Medicare Advantage plans? Many people think these things are the same. They're actually quite different. A Medicare Advantage plan is typically either an HMO or PPO type of plan where you have to worry about doctors and hospitals being in network. They are usually a lower premium than a Medicare Supplement. Depending on where you are, certain service areas have a zero premium plan, which does not cost you anything above and beyond what you would normally pay for just the Part B premium.

Medicare Advantage plans typically do include prescription drugs. They do have a maximum out-of-pocket, referred to as MOOP, of maximum $9,350. So that is your worst-case scenario. Even if something catastrophic were to happen, they will give you some coverage, usually for dental, vision, and hearing. But it's usually not comprehensive, but more preventative. So for dental, things like checkups and cleanings, sometimes they will offer a rider to give you more comprehensive dental.

The Medicare Advantage plans are locked in for one year, and you can only get the plans that are in your service area. With a Medicare Supplement, you will pay a higher premium, but you do get better coverage. You don't have to worry about networks. You can go to any doctor or any hospital that you want. Medicare Supplements do not include prescription drugs, so you'd probably also want to get a standalone prescription drug plan. Medicare Supplements will also not give you anything towards dental, vision, and hearing. But again, you can get a standalone dental, vision, and hearing plan.

Medicare Supplements can also be changed at any time throughout the year. Unlike Medicare Advantage and prescription drug plans that you're locked in for the year and can't change until the end of the year for a January 1st effective date. The first time you get a Medicare Supplement, you will get a guaranteed issue, so you don't have to answer health questions. But after that, in the future, if you want to change to a different plan or a different carrier, you will need to go through health underwriting and answer health questions. And there are no service areas that you have to worry about.

Leslie Helene Sussman · Answer

There is no one plan better that the other.  Medicare plan options are a Personal Choice where a review is necessary to determine which option is best for each individual.

I believe in Individual personalized Reviews to determine the best option based on Medical and Medication needs.

Cleo Martin · Answer

It depends on your situation. I prefer regular Medicare because you can go to any doctor or hospital anywhere you want with a referal. But what I like is putting your health care costs on a budget. After the Part B deductible you will not have anymore bils for doctors or hospitals.  With a Medicare Advantage you have lots of copays until you get to the maximum out of pocket. MA  have networks you must abide by, ypu have to get prior approval for alot of different things you have to have done. This can take day or days. They do give you extras like dental,vision, and hearing among other things. Their premium is low or non existent. With a medicare supplement it is a pay me now, the premium monthly. With a Medicare Advantage it is pay me later, and later
 So the choice is yours to figure out which is best for your situation.

Betty McCarty · Answer

If someone wants broad access and stability, Original Medicare with Medigap is often the safer bet. If they’re relatively healthy and want bundled perks at a lower cost, Medicare Advantage might be the winner.

Don Golding · Answer

I do not recommend Medicare ONLY (A & B) as a solution. The roughly 20% coinsurance and the fact that there is no Part D coverage in original Medicare makes it unsuitable for most beneficiaries.  

A better question might be, "Is Original Medicare, plus a Part D plan, and a Supplemental (Medigap) plan, or an Advantage plan better?"  - The answer to that question depends on you. One option is not "better" than the other; there are many factors involved. I recommend you discuss all your options with a licensed agent who represents both Supplemental and Advantage plans, and represents multiple carriers.  One solution is not right for everyone.

Michael Wallner · Answer

Original Medicare includes deductibles for inpatient services and only covers 80% of outpatient services with no maximum out-of-pocket limits. Original Medicare also does not include any coverage for prescription medicines. A Medicare Advantage Plan may have deductibles, co-pays and co-insurances but does have a maximum out-of-pocket limit… so you know what your worse-case scenario could be. Medicare Advantage Plans also include Prescription Drug Coverage and other benefits like dental, hearing and vision, many times all at the same monthly premium you would pay for Original Medicare. If you are not considering Original Medicare WITH a Medigap Plan, a Medicare Advantage Plan is your best value in most cases.

Pauline Weiland · Answer

When ever I get asked which insurance is best, I always answer with.. There is no best. Coverage is coverage and everything is tailored just a bit different to fit different requirements of the users. So let's talk and decide what is best for you, not best overall.

Alan &quot;AL&quot; Minthorn · Answer

For about 90% of customers in markets with a minimum of a dozen advantage plans, they’ll be fine on these products. In more rural markets, those with high maintenance chronic conditions, or those living in three more locations yearly - a Med Supp may be a better choice.

Tammy Stoner · Answer

There are many factors that go into choosing a Medicare plan. Each and every person that I meet with has different health needs and budgets.

Original Medicare has gaps and holes in coverage that are the responsibility of the patient. Medicare will not cover enhanced benefits like Dental, Vision, or Hearing. 

A Medicare advantage plan may have enhanced benefits with 0-low monthly costs, but can become costly if there is a constant medical need for services.

A Medicare Supplement will have a monthly premium (can increase with age) in addition to Medicare but offers coverage in excess of original Medicare.

Diane Poythress · Answer

Whether Original Medicare or Medicare Advantage is "better" depends on your lifestyle, individual needs, and preferences. Original Medicare offers freedom to choose any doctor or hospital that accepts Medicare, while Medicare Advantage plans often have lower premiums and may include extra benefits like vision, dental, and hearing coverage. However, Medicare Advantage plans typically have provider networks and may require referrals, potentially limiting choices. 
There is no right or wrong; it's about your needs and lifestyle.

Suppose you have set aside funds for a monthly premium. If you value freedom of choice and don't mind potentially higher costs, Original Medicare might be a good fit, especially if you enroll in a Medigap plan. 

If you prefer lower premiums, extra benefits, and are comfortable with a network and potential referrals, Medicare Advantage could be a better option.

Gretchen Morris · Answer

If you ever meet an agent who answers this question directly move on.  These plans are not the same and you cannot say one is better than the other.  They are both just different and some people like one and others like the other.

Sean Davis · Answer

Whether Original Medicare or Medicare Advantage is better depends on individual health needs and preferences. Original Medicare offers flexibility with providers and doesn’t require referrals, making it ideal for those who want a broader choice of healthcare professionals. However, it does have gaps in coverage, such as deductibles and coinsurance. 

Medicare Advantage plans typically include additional benefits, like vision and dental care, and may have lower monthly premiums, which can be appealing. However, they often come with a network of providers and may require referrals.

I recommend considering your healthcare usage, budget, and the importance of provider flexibility when choosing between the two. It’s essential to evaluate how each option aligns with your personal healthcare needs.

Darlene Cerezo Swaffar · Answer

Original Medicare does not provide you with Part D Prescription Drug coverage, extra benefits or out of pocket maximum which can protect how much you spend in a year on copays and deductibles.  A Medicare Advantage Plan's focus is to provide you those extra benefits and protections.

Julie Joyce · Answer

I dont think one is better than the other.  They both do the same thing but work very differently.  Its all about finding which one is better for your particular needs and lifestyle.

George Kolitsas · Answer

Everyone I sit with is different. There are pro's and con's to both choices. I always say, I can not predict the future but I can educate you on the differences.

Lea Ayres · Answer

Not one person is the same.  I educate my clents on both options.  For some individuals a Medicare Supplement is the best option for them based off their health needs.  Others are very happy with the benefits that the Medicare Advantage Plans offer.  I approch this as neither is better than the other.

David Koller · Answer

It depends and your specific situation... there are pros and cons to each, and we discuss them so you can decide which is best for you.

Javier Salguero · Answer

Neither Original Medicare nor Medicare Advantage is inherently "better"; the best choice depends on your health, budget, and preference for provider choice vs. bundled benefits, with Original Medicare offering nationwide doctor freedom but needing Medigap for extras/limits, while Medicare Advantage provides all-in-one plans (often with $0 premiums, dental/vision, drug coverage) but uses provider networks and requires an out-of-pocket max (MOOP) for protection. Recommend Original Medicare for travel/provider choice, and Medicare Advantage for lower premiums/extra benefits if you're okay with networks.

Ryan Raphael · Answer

In my opinion, I feel like Medicare Advantage can make sense for many people. However, I am all about narrowing down to figure out which plan is best for the person's needs not my needs.

Trina Knoche · Answer

There isn't really a one size fits all answer for that question. It depends on if you have other coverages available to you and your overall health needs. Medicare Advantage adds to what Original Medicare has to offer, but it is through another company and depending on what stage of life you're in, that may not always be the route to take.

Nickey Baxter · Answer

That is a complex question. Original Medicare covers approximately 80% of claims, and you would need to add another insurance plan to pay the other 20% not covered by Original Medicare. In addition, you would need to enroll in a separate prescription plan. 

The Medicare Advantage plans are private insurance companies that will pay your claims. They have to have all the same benefits as Original Medicare, but they can also include other benefits such as prescription coverage, vision, dental, hearing, transportation or over the counter benefits which would help pay for things like bandaids, aspirin and cough syrup. 

This is a very basic summary, and does not completely explain all of the benefits. Once you speak with a broker they can better explain the benefits so you can make an informed decision.

Justin Kramer · Answer

Original Medicare only covers about 80% of your medical bills, so you’re still on the hook for the other 20% with no cap — that can get really expensive. Medicare Advantage plans put a limit on your out-of-pocket costs and usually include extras like dental, vision, and prescriptions. Which is better really depends on your health and budget, so it’s smart to review with a licensed representative.

Lavina Woart · Answer

Neither Original Medicare nor Medicare Advantage is universally “better” because the right choice depends on a person’s health needs, budget, and how much flexibility they want in choosing doctors. Original Medicare usually offers broader provider access and predictable coverage, while Medicare Advantage often bundles extras like dental, vision or hearing and other perks such as Silver Sneakers with lower upfront costs but tighter networks and rules. I recommend one over the other only after looking at medications, doctors, travel habits, and total out-of-pocket risk, because Medicare is not one-size-fits-all.

Tracy Corwin · Answer

Advantage plans are better as they cover things traditional Medicine does not. Also with Just Medicare you will pay 20% for all services. With an advantage plan you usually just pay a co pay for most services.    Also now some Advantage plans even reduce the amount you pay for your part B so your social security checks are larger.

Phil Goodge · Answer

Neither one is inherently better.  It depends on your unique situation, which is why working with a trained insurance agent can help guide you through the decision process.

Sherry Perri Anzalone · Answer

Great question — and there isn’t a one-size-fits-all answer.
My recommendation is always based on your specific situation — your doctors, medications, travel habits, budget, and how much flexibility you want in choosing care. Some clients value freedom of choice and cost predictability, while others prioritize lower premiums and added benefits.
My role is to help you understand the trade-offs so you can feel confident choosing the option that best fits your needs — now and in the future.

Joshua Funk · Answer

It really depends on your preference and whether or not you want to pick up a Medicare Supplement plan or not. A Medicare Supplement will pick up most of what Original Medicare does not cover which is about 20%. With Original Medicare you really don't need to worry about networks and can go anywhere Medicare is accepted, but you have no max or cap on your out of pocket expenses. With a Medicare Advantage plan, you are going to have networks, but your out of pocket expenses will be capped and your plan can include your prescription benefit also. I typically recommend Original Medicare if you want to also pick up a Medicare Supplement. If not, I recommend Medicare Advantage, but everyone's budget, health and situation is unique, so reviewing all options with a licensed broker is advised.

Fred Manas · Answer

There is no single "better" option between Original Medicare & Medicare Advantage; the best choice depends on individual needs & preferences. Original Medicare offers broader access to providers & no network restrictions, while Medicare Advantage plans can provide additional benefits, lower costs, & potentially more coordinated care. 
Original Medicare:
Pros:
Access to any doctor or specialist who accepts Medicare nationwide.
No need for prior authorization for most services.
Ability to add a Medigap policy to supplement coverage & reduce out-of-pocket costs.
No network restrictions.
Cons:
May have higher out-of-pocket costs without a Medigap policy.
Does not include prescription drug coverage, requiring a separate Part D plan.
Does not cover additional benefits like vision, dental, or hearing. 
Medicare Advantage:
Pros:
Often includes prescription drug coverage (Part D). 
May include additional benefits like vision, dental, & hearing coverage. 
May have lower copayments for some services. 
May have an out-of-pocket maximum, limiting potential costs. 
May offer more coordinated care and a primary care physician as a gatekeeper. 
Cons:
May limit choices to a network of doctors & hospitals. 
May require prior authorization for certain services. 
Additional benefits & costs can vary significantly between plans. 
Out-of-network care may be limited or more expensive. 
Recommendation:
Choose Original Medicare if: You prioritize broad access to providers, don't need additional benefits like vision or dental, & are comfortable managing your own out-of-pocket costs (potentially with a Medigap policy). 
Choose Medicare Advantage if: You prefer the convenience of a single plan that includes prescription drug coverage & additional benefits, are comfortable with network restrictions, & want to limit potential out-of-pocket costs. 
Ultimately, the best choice depends on your individual health status, financial situation, & preferences for managing your healthcare.

Vachik Chakhbazian · Answer

Original Medicare offers greater freedom in choosing providers, while Medicare Advantage often includes extra benefits like dental, vision, and fitness coverage, and may have lower out-of-pocket costs.

Andrew Kramer · Answer

That's not a question that can be answered in a generalized, fit-all reply. Many factors determine which is more suited: #1 Do you live in a county that has a large number of Dr's who take multiple plans, or is it a rural county with few providers? #2 Do all your Dr's take the same plan? #3 Can you afford a supplement for the long-term, if you so choose? (And supplement premiums will rise in time.) #4 Are you ok having to change Dr's if suddenly one of yours no longer takes any Advantage plans? (rare, but can happen) A qualified and experienced LOCAL health insurance agent who knows the Advantage plans in your area, is best qualified to determine which is best for you. Stay away from call-centers, and ignore generalized articles you find online, that are "click-bait."

Meghan Blankenship · Answer

Original Medicare gives you the freedom to see any doctor nationwide, but you'll need to add drug and supplemental coverage. Medicare Advantage is more like an all-in-one package with extra benefits, but you'll be limited to the plan's network. The best choice depends on your health needs, travel habits and budget.

Carol Thompson · Answer

It depends on your needs and your finances. If you are a healthy person and you live in a service area that offers medicare Adv plans then I would recommend as such. Depends on your needs mostly.

Suzanne Lamperti · Answer

Unless you have chronic or severe health issues, I recommend Original Medicare.. also if you travel alot, Original Medicare is better.

Dean Chiapetto · Answer

There is no better, they cover the same things. If you are asking because you believe you only need Original Medicare and nothing else, that can be expensive. With a Medicare Advantage plan you have what is called a MOOP, Maximum Out Of Pocket that is capped by law @ $9400 - $14000 depending on the type of plan. This is the most you will pay in a calendar year. Original Medicare has no Maximum, you could ring up very large bills at a 20% cost share. 
If you are asking about Original Medicare with a Medigap/Medicare Supplement, than what needs to be looked at are cost. 
It is important to sit down with a local broker to go over the differences based on your situation and your risk tolerance. 
Brokers Make A Difference!!!

Todd Bostic · Answer

I don't recommend one over the other, what I do is give my clients both options, and let them make the decision for their self so it's an informed decision and they know I didn't force them into a decision.

Mike Henry · Answer

Depends. How much retirement income?  Higher retirement income should pro consider regular supplement. Not as many restrictions. Travels all ove  DC the United States 

Medicare advantage has some good and bad to it.  It was generally designed for those with lower retirement income. Lots of deductible. Doesn’t travel well. Company can also quit Dr and hospital unannounced

Deborah Webster · Answer

I would never recommend just being on Original Medicare. So, the answer is yes, Medicare Advantage would lower your out-of-pocket costs that you could potentially incur with original Medicare.

Carol Conner · Answer

Both original Medicare and Medicare advantage can be beneficial to people. There are variety of plans and depending on many factors such as affordability medications, doctors, to name a few so it just depends on what your needs are. There are about 50% of individuals on original Medicare and 50% on a Medicare Advantage plan. It’s best to have a licensed agent to assist with questions, concerns and comparisons within plans every year to  ensure you are getting the best coverage at an affordable price.

Barbara Barnes, CMIP® · Answer

This is a trick question.

Neither option is better in every situation or for every client.  They both have an important place in our healthcare payor system.  It is important for each person to understand both options so that they can choose which is best for themselves.  Beware of insurance agents who approach clients with a one-size-fits-all mentality on either side of this argument.

The best decision is one that is measured and educated and based on the individual needs, wants and priorities of the client.

Andrew Kelly · Answer

I prefer Original Medicare, with a Medigap supplement over Medicare Advantage because one that investment is made/budgeted for you have 100% certainty about out-of-pocket expenses and can choose to go to any doctor you like. The M.O.O.P. of Medicare Advantage Plans and limitations around networks, as well co-pays and co-insurance throughout make them less desirable to me.

Antonio Rodriguez · Answer

Original Medicare (Parts A & B) gives you the freedom to see almost any doctor or hospital in the U.S. that accepts Medicare. You can add a Medicare Supplement (Medigap) and a Part D drug plan to cover what Medicare doesn’t. It’s great for people who travel often, want predictable costs, or prefer fewer network restrictions.

Medicare Advantage (Part C) combines everything into one plan — hospital, medical, and often drug coverage. Many plans include extras like dental, vision, and hearing benefits, sometimes with low or $0 premiums. The trade-off is that you’re usually limited to a network of doctors and hospitals, and there may be more copays and authorizations.

I typically recommend:
	•	Original Medicare + a Supplement for people who value flexibility and travel, or want fewer surprises in costs.
	•	Medicare Advantage for people who are budget-conscious, stay mostly local, and like having extra benefits bundled in.

Don Hansford · Answer

The answer is neither one. Both are great products, what matters is which one fits your particular situation the best. They are different in how they cover your care, so it is important for you to sit down with a professional, have them go through a complete needs assessment, and once you have the complete picture, decide which program best fits your needs.

Cheryl Lyons · Answer

🏥 Original Medicare (Part A & B)

Often paired with a Medicare Supplement (Medigap) and a Part D drug plan

✅ Pros

See any doctor nationwide who accepts Medicare

No referrals needed

Very predictable costs if you have a good Supplement

Excellent for people who travel or live in two states

⚠️ Cons

Higher monthly premiums (Part B + Supplement + Drug plan)

No built-in dental, vision, or hearing

You buy separate policies

👉 I often recommend Original Medicare with a Supplement for:

People who want maximum flexibility

Those with chronic conditions

Snowbirds or frequent travelers

Anyone who wants very little surprise cost

🌟 Medicare Advantage (Part C)
✅ Pros

Often lower monthly premiums

Includes drug coverage

Many plans include dental, vision, hearing, gym benefits

Has a yearly out-of-pocket maximum

⚠️ Cons

Network restrictions (HMO/PPO)

Referrals sometimes required

Copays for services

Prior authorizations may apply

👉 I often recommend Medicare Advantage for:

Healthier individuals

Those comfortable using a provider network

People focused on lower monthly premiums

Those who want extra benefits bundled in

💡 Why I Recommend One Over the Other

When I make a recommendation, I look at:

Health conditions

Medications

Budget

Doctors and hospitals

Travel habits

Risk tolerance (fixed premium vs. pay-as-you-go)

It’s not about what’s “better.”
It’s about what fits that person’s life.

Julie Thompson · Answer

Original Medicare is Part A generally referred to as Hospital Coverage and Part B, generally referred to as Medical and Doctor coverage.  Original Medicare consists of deductibles, co-pays and co-insurance depending on the service/care received.  Most will only have to pay the Part B premium to receive this coverage. There are various Medicare Supplement plans you can purchase to help pay for some of the deductibles, co-pays and co-insurance.  It does NOT include Prescription Drugs coverage.  There are separate Stand-Alone Drug plans you can also purchase to help with these costs. A Medicare Advantage plan is a plan that generally includes all Medicare Covered services which can greatly reduce or eliminate your out-of-pocket expenses for deductibles, co-pays and co-insurance and many times it includes prescription drug coverage.  In most cases, the cost is just the Part B premium.  As for recommendation of which plan, that varies on the individuals income, health preferences, doctors & hospitals they want access to and travel just to name a few.  Some plans offer a limited time of guarantee issue meaning regardless of your health they will accept you.  At a later date, your health may change and certain plans i.e. Medicare Supplements may not accept you or may no longer be available to you.

Andre Cabral · Answer

It depends on your particular situation. Original Medicare covers only 80% of Hospital (Part A) and doctors' and labs' (Part B) costs.  You still need a provision for the remaining 20% and for Prescription Drugs.  There are different choices of Medicare Advantage plans, and most of them include Part A, Part B, and a Prescription Drug Plan (MAPD), besides some additional benefits like Vision, Dental, Hearing, Gym, OTC products allowance, etc.  But, again, it depends on your particular situation, for there are other factors to be considered.

Robert Remin · Answer

Robert Remin, expert Medicare plan advisor, licensed in NY, CT, NJ, and FL. Both can work great or not the way one thought. Working with an exeperienced expert Medicare plan advisor will allow you to make an educated decision on which plan/s will be most appropriate for your situation.

John L Herman Jr · Answer

Budget, risk level, your current health, the Doctor's you see, the Prescriptions you take, and even the Pharmacy you use all come into play when you reach 65 and enter the MEDICARE WORLD. ADVANTAGE PLANS offer may benefits like coverage for DRUGS/VISION/DENTAL and even HEARING... But might limit your choices as well.

Since every individual has a unique situation in life... a trained and Licensed Independent Broke will guide you to the right answer.

Bud Griffin · Answer

Both are viable options. Each person should weigh the differences to see which coverage is the right fit for their anticipated treatment needs going foreward.

Chad Hardy · Answer

Both options have pros and cons. Original Medicare only covers about 80% of costs, so most people add either a Supplement (for nationwide coverage and predictable costs) or choose a Medicare Advantage plan (which usually has lower premiums and extra benefits but comes with networks and copays).

I don’t think one is “better” across the board — it really comes down to whether you value flexibility and broader coverage (Supplement) or lower upfront cost with added perks (Advantage). It’s worth talking to an agent to review your options.

Charlie Fitzgerald · Answer

The determination for this is arrived at by discussing at length the options and coverage provided by both and selecting the best plan to meet the needs and expectations and desires of my client.

Tony Merwin · Answer

It truly varies by the individual person's needs as well as their geograhic location.

Original Medicare provides more freedom to choose from any provider who accepts Medicare nationwide which is about 99% of them, but Medicare Advantage plans will have a limited network of providers to choose from and often require referrals, etc.

Ross Landon · Answer

Good question, Advantage plans are great for those with relatively minor health problems. If you have an impending hospital stay or more serious conditions, the advantage plans will be more expensive. This is because there are large co-pays for overnight hospital stays with advantage plans.

Original Medicare is good to couple with a Medicare supplement plan if you want absolutely predictable costs, even though they are higher  premiums per month, once you pay the Medicare supplement premiums, pretty much everything is covered or at least the great majority of it is.

Brenda Skasko · Answer

Depending on one’s individual situation, there is no right or wrong answer in regards to which is best.  There are a variety of factors, as to why one would be recommended over the other. Building a relationship with your agent/broker is the most important thing one can do in order to make an educated informed decision.

Emmond Wills · Answer

The truth is, well neither is “better” for everyone — it depends on the person’s health, doctors, budget, and lifestyle and needs.

Richard Norcross · Answer

This depends on the individuals needs. The person’s health needs, budget, doctor preferences all come into play. I would always recommend a Medicare Supplement first if the budget allows it. If not, then we can explore the other options to see what fits the best.

Tyler Coleman · Answer

Think of it this way, Original Medicare is Part A(hospital insurance), Part B(medical insurance), and Part C is Medicare Advantage. In order to get a Medicare Advantage plan  which is Part C you have to have Parts A and B. Some individuals choose Medicare Advantage plans due to the fact that they offer additional benefits that Original Medicare doesn’t cover such as routine dental, vision, and hearing services. To illustrate think of Original Medicare like a hamburger and Medicare Advantage like the extra toppings that can go on a hamburger.

Maurice Ellis · Answer

Original Medicare (part A & B) is "given" to everyone when they turn 65 that covers 80%. 

Medicare Advantage (part C & D) is what you would do by contacting an agent for additional (20%) coverage that should include dental, hearing and vision.

Linda Bolan · Answer

It all depends on the individual and what they can comfortably afford.  We look at health and also budget to determine the best option for each client.

Lance Stanley · Answer

Medicare has a lot of pro and cons one being that you can go to any Doctor of Hospital that accepts Medicare. There are no restrictions on Networks. On the other hand, Medicare Advantages usually offer more benefits such as vision and dental etc. Also, the premiums are generally less with MA plans. I only recommend one over the other based on what best fits the consumers' and what their needs are.

Ken Correa · Answer

Original Medicare has a lot of deductible and high out-of-pocket costs and I would not recommend this as a stand alone option for my clients. Medicare Advantage plans have no or low monthly premiums with small co-pays and better much less deductible and co-insurance exposure. It suggest looking closely at what works best for each client as to their budgets. If they want to have a lower monthly cost and pay for services as they occur Medicare Advantage is the better option. If they can afford to pay higher monthly premiums for a Medicare Supplement plus a prescription drug plan you have very little deductible and no co-insurance exposure plus you can go to any provider that accepts Medicare in the country.

Tamekia Mckinnie · Answer

Original Medicare is good coverage but it only covers about 80% of the total cost of health care expenses. This means if you had a $100k hip replacement, $20k would be your portion of that cost. If you have a need yo share in that expense then Advantage plans can offer less of that expense but it’s limited to a specific area and network. So the trade off is flexibility and its price.

Edward Pevnick · Answer

For the average person, Medicare Advantage offers lower overall cost to the consumer over time. Medicare Advantage also offers extra benefits beyond Traditional Medicare such as:

Maximum out of pocket limit to stop exposure to catastrophic medical expenses
Dental
Vison
Out of pocket credits at places like Walgreens/CVS for health items
Gym Memberships
much more

Gregory Gudis · Answer

Every person is different and depending on your individual needs one cannot necessarily be said to be better than the other.  I have found Original Medicare with a Supplement and Part D plan makes people very confident with no network, referrals and usually no or low copays.  On the other hand Medicare Advantage tends to be cheaper up front, has more added benefits outside of what Medicare covers and is usually more similar to what folks had when working.  That said it is always worth having your situation evaluated by an Insurance Broker before making a decision.

Bobbi Lincoln · Answer

Original Medicare is better if you want the freedom to see any Dr. nationwide to avoid prior authorization
Medicare advantage is better if you want lower premiums and built-in perks like dental vision and prescription
As far as recommending one over the other, I don’t, the right choice depends on your personal budget. Your health needs in your tolerance for rules.

Vernon Pate · Answer

I generally will NOT recommend one over the other without knowing the client's needs and wants.  However, the one advantage of a Medicare Advantage is the Maximum out-of-pocket limit set by the Centers for Medicare and Medicaid. Original Medicare does NOT have a maximum out-of-pocket limit.

Gary Coleshill · Answer

It really depends on your needs.
Original Medicare is fine but has no cap on out-of-pocket costs.
Original Medicare will cover 80% of the costs of approved treatment 

Medicare Supplement plans can cover the 20% cost difference and give you the flexibility to see any Medical Professional that accepts Medicare.
But there is a monthly premium, and you would also need a standalone drug plan.

Medicare Advantage plans cover what Original Medicare covers plus usually have extra benefits like gym memberships, dental vision etc. MAPD plans have Drug plans built in.
Many plans have zero or low premiums. There is an out of pocket cap, and some co pays will occur. You are usually limited to service with a local medical network.

Clarence Davis · Answer

Everyone's situation is different. I wouldn't say either way is better than the other, but what fits the clients situation would be better.

Nina Besant · Answer

I think it depends where you live. Depending on your zip code and county one option may be favorable over the other. I always present both options to my clients so they know of all their choices. If they live in a rural area then Original Medicare may be a better fit for them.

Elizabeth Holly · Answer

Both Original Medicare and Medicare Advantage plans have thier own unique benefits. Depending on where you live, how often you travel, and the need to see particular doctors will ultimately determine which plan is the better fit for you. I always reccommend working with your local agent at least once a year to make sure you have the best fit for the upcoming year.

Boris Mitnik · Answer

To have a complete coverage with Original Medicare one has to purchase additionally Medicare Supplement and Prescription Drug Plan. The premiums for Medicare Supplement increase every year. So, if one can afford this arrangement, I'd recommend it as a more flexible one. Medicare Advantage changes every year and requires more legwork to select and receive the treatment from network providers as well as to keep tabs on medical spending via co-payments and/or co-insurance. But it is lower cost option for healthier individuals.

Alexander Valencia · Answer

Hi there, choosing between Original Medicare and Medicare Advantage depends on your health needs, budget, and personal preferences. Here are some factors that may help you choose one over the other:

1. Original Medicare: Offers a wide provider network, allowing you to see any doctor that accepts Medicare. It does not have maximum-of-pocket costs, which can be beneficial for those who may not need extensive coverage. 

2. Medicare Advantage: May offer additional benefits such as dental, vision, and hearing coverage, which can be appealing for those who want comprehensive health coverage. However, it may have a higher monthly premium. It has a maximum out-of-pocket cost, which can be beneficial for those with higher cost medical needs. 


The choice between Original Medicare and Medicare Advantage should be based on a careful assessment of your health needs, financial situation, and personal preferences. It is advisable to consult a Medicare expert to help you arrive at a more informed decision.

Chris Bumgardner · Answer

I wouldn't say one is better than the other- it depends on what's most important to you.  My job is to help you find the best fit for your needs and budget.

Jennifer Stark · Answer

Original Midicare is wonderful to cover 80percent of your healthcare costs. Then you are responsible for 20percent. The Advantage plan is the 20 percent taht Original medicare does not cover. You will ahve co pays and a max out of pocket, but it helps with the 20 percent.

Pam Johnson · Answer

It all depends on the person, it is hard to know without having more specific details about your situation.  Original Medicare with a Medicare Supplement plan typically gives you more flexibility of doctors and if you travel, more options out of state. You would also have to purchase your prescription drug, dental, vision and hearing separately. Medicare Supplements also charge a premium in addition to your Medicare Part B. 
With Medicare Advantage, plans can be more affordable, can include dental, vision & hearing along with prescription drug plans.  With Advantage plans you are more limited on a network of doctors, but they also come with little to no cost. 
There are other differences, but this gives you some of the basic differences.  I hope this helps.

France Stephanos · Answer

Costs are main factor when we know the problem of inflation today.
And it will depend on the experience that some individuals will have with the two different form of Medicare insurance.

Dashelle Warntjes · Answer

I love answering this question, thank you for the opportunity!
Firstly, this is not a one size fits all answer. Every client has their own unique situation, therefore when advising, I always ask clients to fill out my ‘Needs Assessment’ questionnaire, which will aid in answering that very question. I look forward to getting started on this path with you!

Cathy Bajkowski · Answer

There are only two options for Medicare and the BEST depends on a person's situation.  You need to ask yourself the following questions:

What is my budget?  How many providers do I see and do I want freedom to go anywhere in the country that is accepted by Medicare?  Do I have a lot of ongoing conditions and specialists that I need to see and how are all my medications covered on each plan?  Can I afford the premiums and annual increases on Supplements?  

While decades ago most individuals choose original Medicare and a supplement, today over 55% of those on Medicare are choosing to enroll in a Medicare Advantage plan.  These plans have come a long way in offering more access with PPO networks that have access to providers nationwide, and enhanced benefits. 

In my opinion, I see 3 types of people choosing Medicare Advantage plans:  

1) If you budget is under $100/month for supplement and drug coverage; you can't buy Plan G or Plan N for under $100, and the only option is High Ded G.  At that point, you are probably better off with an MAPD at $0 with all the perks. 

2) You are a healthy person, don't go the Dr. much, don't mind paying a copay for visits and tests, like the idea of having dental and vision and hearing and OTC benefits AND your providers are in the Med Adv network or you have no issues using the providers in the network.

3) You are a very high income earner with a large IRMAA for Part B.  You have plenty of money in the bank to pay any Max out of pocket costs on an MAPD and would rather 'self-insure the 'little stuff'.   There is a plan with all your providers in it.  And you would rather save money on the premiums a pay copayments for services as you need them. 

So one is not better than the other.  It really depends on a person's needs, and you should work with a broker that gives you options and helps you decide.  We also explain BOTH plans on our zoom calls; we won't spend time reviewing quotes if people don't want MAPD.

Earl Poole · Answer

Original Medicare on its own has gaps in coverage. So that's an unfair comparison. With Original Medicare, you may also need a supplement. Feel free to contact me to go over both options.