My kids keep telling me to get a Medicare Advantage plan, but my friends say stick with Original Medicare. Who should I listen to?

Question

Cynthia Nakaya · Accepted Answer

Original Medicare has deductibles and co-insurance and doesn't include drug coverage-part D (If you don't have a PDP- Prescription Drug Plan-and haven't had one for over 63 days after your initial enrollment period has passed, you'll pay a lifetime penalty when you sign up.) With original Medicare, you can go to any doctor who accepts it.

In 2025, part A has a $1,676 deductible. You pay:
Days 1–60: (of each benefit period): $0 after you meet your Part A deductible ($1,676).
Days 61–90: (of each benefit period): $419 each day.
After day 90: (of each benefit period): $838 each day for each lifetime reserve day (up to 60 days over your lifetime).
After you use all of your lifetime reserve days, you pay all costs.

There's a term here, "benefit period". The benefit period lasts for 60 days. If you are out of the hospital for over 60 days, the process starts over, and you pay the deductible again (lifetime reserve days do not start over).

Part B has a $257 deductible, with generally a 20% co-insurance after it's been met. Original Medicare has no maximum out-of-pocket. If you are in the hospital multiple times during the year, the costs can be financially devastating. 

Medicare Advantage plans have maximum out-of-pocket limits built into their plans. Depending on where you live, there are both HMOs and PPOs to choose from. HMOs require referrals to see specialists. PPOs are more flexible but costs for out-of-network doctors are higher. 

Another option is Medicare Supplement, which works with original Medicare. If you choose this option, you need a stand-alone PDP. Knowing this information should help you decide who to listen to- your children or friends.

Steve and Sue Brauer · Answer

Since Medicare is not a "one size fits all", you should listen to your Independent Medicare Broker. We are trained and hopefully knowledgable about the industry and products in your area. In my opinion, you MUST find someone that only does Medicare, since you can't be an expert at everything.

Answered by Steve and Sue Brauer on April 16, 2025

Broker Licensed in AZ & CA

Answered by Steve and Sue Brauer Medicare Insurance Agent

Mark Bilgere · Answer

This is a dilemma a lot of people face. Although our friends and families are well intentioned, they are often uninformed about the different aspects of Medicare and Medicare options. The best option is to find a local Medicare broker that represents several carriers. Schedule an appointment and ask your kids or neighbor to tag along. Then everyone can be on the same page. No two people are exactly the same when it comes to their health needs, medications, budget, family history, past medical needs, future living and travel plans and long term care needs. An experienced broker will gather information to help you decide on a plan that is best for you.

Answered by Mark Bilgere on July 21, 2025

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

Answered by Mark Bilgere Medicare Insurance Agent

Daniel Brechin · Answer

You are the only one who can make your decision.   You need to research the goods and bads of both types.   Your cost now and what it could be down the road.
I have been helping people understand what they need to do and how they work.

Please call me with questions 
Danny Brechin
Contact me.

Helping seniors since 1996.

Norman Smith · Answer

Everyone’s situation is different so to speak exactly as to your individual situation is hard to do.
Generally, if you have the means to do so, and afford a Supplemental carrier plan, there is no better coverage then Original Medicare with a top Supplement offered in your state. This allows you to control your health, and have access to the best doctors, hospitals, facilities, and professionals within the medical community anywhere in the country at any time. For that you will have your Part A, B (which is $185/mo. and can be paid through your SSI) and the premium for your Supplement. You will also have a Part D Prescription plan that can be a $0-180 Premium per month. For the G plan here in Florida (the best plan) you are looking on average between $200-$230/ month.  Unless it is a concierge doctor, 98% of Doctors accept this payment across the country.
For MA plans, you will have either a PPO, HMO, or PFFS plan, and will be limited as to your choices as you will generally have to stay in their networks. Your major specialty hospitals will not accept MA plans - examples: John’s Hopkins, Mayo Clinic, Cleveland Clinic, etc. Most plans require you to pick up the Part B still, and you may still have Co-pays, Co-Insurance, and deductibles. You will also have a MOOP and then the policy can apply. So be careful here. They may offer “gifts” and “freebies”, which make it front loaded for benefits, but where you really may need them is the backend, and we can’t be sure when that is for any of us! 
Remember: Price is what you pay, Value is what you get, and Cost is what it is when paid the wrong price to get the wrong value! - so be careful as this is the ONLY TIME you will choose with no Underwriting involvement, and you can be sure that your health with age cannot ultimately improve, but have more challenges! Good luck!!!

Lt Col Tim Brown · Answer

Original Medicare only pays 80%. So if you had a $30,000 out patient surgery and only had Medicare, your co-pay is $6,000. Under a medicare advantage plan it is (depending on the company) $270 to $300. Yes, Original Medicare is costly. I agree with your kids as I and my wife chose a medicare advantage plan.

Answered by Lt Col Tim Brown on May 9, 2025

Broker Licensed in TN, AL, CO & 10 other states

Answered by Lt Col Tim Brown Medicare Insurance Agent

Terri Reagin · Answer

I think you need to research your choices for yourself and go with what feels right for YOUR needs. Just like everything else, people will always have an opinion but you will be the one who lives with the coverage so it should be your choice ultimately

Answered by Terri Reagin on August 12, 2025

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

Answered by Terri Reagin Medicare Insurance Agent

Christopher Boyd · Answer

This is the biggest difference of opinion among retirees. If a retiree is on Medicare AND eligible for Federal, State or Local government financial assistance programs or hospital charity programs, Medicare Advantage plans are available with very limited or no out of pocket co-pays. I have helped many of my clients qualify for some form of financial assistance, so they will not need a Medicare Supplement and can use a Medicare Advantage plan and enjoy the over the counter benefits. 

A non-assistance based Medicare Advantage Plan can create very large expenses if a person has multiple hospital admissions, chemotherapy, chronic health conditions, etc along with some possible network restrictions. If a retirree has no health problems, then they will not spend much or no money for basic annual wellness visits or check ups. It all depends on their health.

 In most circumstances, if a retiree has an Advantage Plan and is ill, they will most likely NOT be able to switch to a Medicare Supplement due to pre-existing health conditions. I have healthy clients in their 70's and 80's who love their Advantage Plans. While others who are sick and can't get a Medicare Supplement and regret their plans. 

Some retirees prefer to be safe and pay for a Medicare Supplement to allow for stress free Healthcare as they age. This will cost over $100 a month with most insurance companies. But allows Healthcare with no network restrictions or hospital co-pays at most hospitals in the USA.

Mark Maliwauki · Answer

Let's say you have your worst possible medical year ever. $1 million bill.

The most you will pay out of pocket with a Medicare Advantage plan is your copays and some deductibles and a Maximum out of pocket of potentially 7000 which could equate to $7500 total.

Original Medicare would cost you 20% of the $1 million or $200 k. I don't know about you, but most people don't have $200 k laying around to throw at medical catastrophe's. 

A Medicare Advantage plan is a much more sensible Medicare coverage option for everyone on a budget.

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 is, my kids keep telling me to go on a Medicare Advantage Plan, but my friends say stick with Original Medicare. What do I do?

That's a good question. I love hearing this one. That means people are thinking about it, reaching out, and looking. The best thing is you gotta sit down and review your doctors and your drugs and see if an Advantage Plan is gonna work for you. Do you live in multiple states? Do you travel a lot? What's your income level?

My main thing is on that one. Original Medicare is great, and the supplement is awesome. If you have that and you can afford it, do it. If you only live in Arizona or one state and you see the same doctor all the time, and your doctor recommends you go to another doctor, do you follow that recommendation, or do you just say, "I'll Google it and find somebody else that I think is good?"

Most people say, "Well, I go to the doctor my doctor recommends," and that's great. So you see, if you're going to the same doctor, you go to the recommended doctors. The doctor is gonna recommend people in your network regardless of the plan you have. They will look at what you have, and they'll find people that work with that network.

If you're on a different plan or a supplemental plan, at that point, you know you got a Ferrari in the garage and you're paying insurance for it. It's just sitting there doing nothing. I mean, that's your plan. That's the supplement plan. It's a great plan. It's awesome. You have it. If you ever want to use it, when you're not using it, you know, go to the doctor, get everything done. It's covered on the supplement side. Everything's covered.

Now, if there's something that goes up in value, every year the premium goes up like 5 to 10% or more. So if your premium is at $300 or $400 and it's between that and food, or you're just not using it, yeah, maybe the Advantage is the way to go. At that point, we look at the Advantage and where you're at.

In a rural area, the supplement is far better. In a not-so-rural area, in a big population, metropolitan area, then it's probably great. Like you said, it’s in Arizona. You know, 8 million people here. Boom! They got a ton of Advantage plans because the networks are gigantic. So you're gonna save money. You're gonna pay for your Medicare, your health insurance one way or the other.

You're gonna pay a premium every month to have coverage, or you're gonna pay a co-payment at the time of use. So if you're going from a supplement to an Advantage, I say, "Hey, take that money and put it into a supplement." You pay for the supplement or in a separate account and use that card, that account card for your debt, your co-payments for service once it reaches your max out-of-pocket. Anything past that is vacation money.

I hope that answers your question. Let us know if you need some help. We'll send out an agent to help you out. Have a great day!

Tony Capraro III · Answer

Someone who deals with helping clients with Medicare planning every day! Get the facts-not the hype! Work with someone who can explain the "medicare alphabet soup" so it's easily understandable and who also sells both: Medicare Supplement/Medigap AND Medicare Advantage! We can go over all the Pros and Cons of each plan and with staying with Original Medicare!

Answered by Tony Capraro III on April 7, 2025

Agent Licensed in NH & ME

Answered by Tony Capraro III Medicare Insurance Agent

Edward Smith, ChFC, CRPS, AIF · Answer

There are tradeoffs with every decision we make in life, and this is no different. If you can afford the monthly premium for a Medicare Supplement and keep original Medicare, this will allow you to go to any doctor that accepts original Medicare. There are no networks to worry about, normally no pre-certifications and you have essentially 100% coverage (Less a small part B annual deductible, $283 in 2026) If you do this you will also need a standalone PDP plan (Medicare.gov has some inexpensive plans). 

 If you choose a Medicare Advantage plan, in most cases you will have no monthly premium and these plans can include prescription drug coverage. There will be co-pays and co-insurance amounts you are responsible for each year when you use your plan. There is a pre-determined maximum out-of-pocket each plan year. You will have to use certain doctors that are in network or you will pay more for your services. With an HMO you are responsible for all cost outside of network and with a PPO, you will be charged more but there are out of network benefits. 
The Medicare Advantage will offer some other ancillary benefits that original Medicare does not.

Questions to consider.
Do you travel lot?
Do you want to be able to go to any doctor, when you want to?
Can you afford the extra monthly cost of a Supplement premium?

Ronnie Robinson Jr · Answer

Different strokes for different folks. Follow your heart. What are the pros for you versus the cons? Are you still traveling around outside of your state? Are your friends helping you the most, or are your kids?

Answered by Ronnie Robinson Jr on January 19, 2026

Broker Licensed in FL, AL, GA & 9 other states

Answered by Ronnie Robinson Jr Medicare Insurance Agent

Shelly Hefley · Answer

Each person is different and I look at financial situation and Health. If you’re in bad health and can’t afford a supplement then that might be the way to go…. But if you’re financially struggling, there are a lot of good advantage plans that may save you money and give you some extra benefits

Answered by Shelly Hefley on April 9, 2025

Broker Licensed in IN, AL, IL, KY & TN

Answered by Shelly Hefley Medicare Insurance Agent

Steven Graves · Answer

That’s a really common dilemma, and both your kids and friends have good points! The truth is, the best choice depends on your personal health needs, lifestyle, and budget—not just what others recommend.

Why Your Kids Like Medicare Advantage:
Often comes with $0 premiums

Includes extras like dental, vision, hearing, and fitness benefits

Bundles medical and drug coverage in one plan

Feels more convenient and modern to younger generations

Why Your Friends Prefer Original Medicare + Medigap:
Offers freedom to see any doctor who accepts Medicare, nationwide

Medigap covers most out-of-pocket costs, so bills are more predictable

No networks, referrals, or surprise restrictions

Often better for people with ongoing or complex health needs

What Matters Most Is What Fits YOU:
Do you want lower monthly costs or predictable out-of-pocket expenses?

Are your doctors in Medicare Advantage networks?

Do you travel frequently or live in multiple states?

How important are additional benefits like dental or vision?

Bottom line:
Listen to both, then focus on what fits your situation best. If you want, I can help you compare plans based on your health, doctors, and budget—so you can make a confident choice that works for you.

Would you like me to help with that?   Contact us.

Steven Lovell · Answer

You should listen to a medicare specialist to help determine your financial needs, your health care concerns and who's gonna pay the ultimate bills in the future. If something was to happen to you, your friends unfortunately are not experts and your children may be responsible for paying the bills making the decision for you that may not be in your best interest.

Answered by Steven Lovell on May 10, 2025

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

Answered by Steven Lovell Medicare Insurance Agent

Lauren Fodde · Answer

It depends on your individual needs. Original Medicare only covers 80% so you’re responsible for the other 20%. It also does not include vision dental hearing or prescription drug coverage. You get the most from a Medicare advantage plan but again it depends on you as an individual and what your personal needs are. My advice would be to speak with a Medicare advisor and they can go over all of your options with you. Including doctors, prescriptions, extra benefits, etc…and their services don’t cost you anything.

Answered by Lauren Fodde on November 1, 2025

Broker Licensed in MO & FL

Answered by Lauren Fodde Medicare Insurance Agent

Richard Moreno · Answer

It depends on your needs and also if you are able to pay 20% of all services covered by Medicare. You will need to get a medical plan to help cover the 20% but you need to be able to afford the premium which increase with age

Answered by Richard Moreno on May 31, 2025

Broker Licensed in TX, CA, FL, LA, NM & OH

Answered by Richard Moreno Medicare Insurance Agent

Marsha Reiniers · Answer

The plan you choose is totally your choice, not your kids, and not your friends and neighbors. Both types of plans have their advantages and disadvantages. Be sure to take the time to understand exactly how both these approaches to your healthcare work, and then you can make your own educated decision about what is best for you.

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

It depends on your current situation. With original medicare Part A Hospital and Part B Medical  you have a Part A deductible of $1,736 for 2026 and Part B deductible of $283 for 2026. 

With original medicare there is no "cap" on how much you could pay for the year. If you have a bad year this could get really expensive. You could end up having to pay that $1,736 Part A deductible more than once if your hospital stays are far apart and not related to each other. 

At least with an advantage plan there is a "MOOP" maximum out of pocket that you will not go over. 

Medicare advantage plans can feel really restrictive with networks, copays and coinsurance. 

I you are turning 65 soon or are older and healthy enough to pass underwriting a Medicare Supplement plan is the most comprehensive coverage and you have the freedom to see any doctor that accepts Medicare. 

You would also get a stand alone drug card "Part D" make sure you avoid that Part D penalty, sign up when you first get the chance at 65. You would also purchase a separate plan for dental, vision and hearing.

Sherry Rose · Answer

Please contact us for further assistance. We get it, Medicare is complicated, but it does not have to be. We are here to help, make it easy and understandable. Medicare plans can vary for each person, depending on their situation.

Answered by Sherry Rose on April 6, 2026

Broker Licensed in Ga, AL, AR & 5 other states

Answered by Sherry Rose Medicare Insurance Agent

Randall Taylor · Answer

You need to consult with a qualified Medicare Specialist. I ( and I think most) do free consultations.

Edward Wooten · Answer

I would recommend sitting down with a Medicare professional and work together selecting a plan that works best for you! Many factors come into play so ask questions to know how that plan will fit your needs. Ask your family and friends why they suggest one over the other and discuss those concerns when speaking to your agent. They all love and care for you but select the option that is in your best interest!

Answered by Edward Wooten on July 21, 2025

Broker Licensed in IL & MO

Answered by Edward Wooten Medicare Insurance Agent

Adam Ashby · Answer

You do not need to listen to either group. The main thing you should do is find a Local Medicare Broker who represents multiple carriers and who has experience with both. If a Local Broker will go through your needs and preferences they can help you find what is perfect for you. Neither your friends or your kids know what is in your best interest - only you can know after a proper analysis of your needs.

Answered by Adam Ashby on September 22, 2025

Broker Licensed in CO, GA, IL & 6 other states

Answered by Adam Ashby Medicare Insurance Agent

Cody Hebden, MBA, CLU, FLMI · Answer

Everyone and no one! Statistically, in 2025, Medicare eligible folks who choose private insurance, about 50% choose a Medicare Advantage plan while 50% choose a Medicare Supplement plan. That goes without saying that while a Medicare Advantage plan works for some people, it doesn't work for everyone. There are many pros/cons for either option, so its most important that you assess what matters most to YOU, not your friends or family members. What you value in your health insurance coverage may or may not be what your friends value.

Answered by Cody Hebden, MBA, CLU, FLMI on August 14, 2025

Broker Licensed in NC & SC

Answered by Cody Hebden, MBA, CLU, FLMI Medicare Insurance Agent

Mark Sannes · Answer

It really depends on 'your' individual needs! 

Medicare Advantage
Highlights:
Low Premiums with multiple Co-pays
MOOP (Maximum Out Of Pocket Limits)
HMO/PPO plan options
May Need Referrals for Specialists
May Include Routine Services (Dental, Vision, Hearing, Fitness, etc.)
Emergency & Urgent Care USA Coverage
MAPD – Medical & Drug Plan Included
MA – Medical Only-Great for Veterans
     Some with $50-$100 monthly Givebacks!

Supplement / PDP
Highlights:
Higher Premiums but minimal Co-pays
Covers most A & B costs (incl 20% and Hosp)
Freedom To Choose Doctors
No Referrals Necessary
Some Routine Services ‘Not’ Covered (Dental, Vision, Hearing) 
Covered most everywhere in the US
Need To Buy Drug Plan Separately

Duane Everding · Answer

Complete a Medicare review with a licensed and certified insurance agent. Everyone's situation is specific to them and Medicare is not a one-size fits all. The doctors you see, medications you take or may take in the future, and budget are very important steps in the process of selecting the best plan for you.

Answered by Duane Everding on February 2, 2026

Broker Licensed in NC, AZ, MD & 6 other states

Answered by Duane Everding Medicare Insurance Agent

Jennifer Sigman · Answer

There’s no one-size-fits-all answer to this question: it really depends on your health needs, budget, doctors, medications, and how much flexibility you want.

If you are looking at Orginal Medicare  it gives you Part A and Part B, however doesn't include prescription drug, dental, vision, or hearing or a limit on your out of pocket medical costs. Where as Medicare Advantage plans often have extra benefits like, dental, vision, hearing, fitness programs and prescription coverage is bundled in.

You can choose to stay with Original Medicare and add in a supplemental  (Medigap) plan which would give a bit more freedom, less concern and more predictable medical costs however the monthly fees are a bit higher.

Brady Kidwell · Answer

You should honestly listen to your gut. But me personally I’m leaning more towards a Medicare advantage plan. Here is why, with original Medicare you’re still responsible for 20% of the coverage. so let’s say you have a $50,000 hospital bill, so roughly that would leave you with a $10,000 bill. Most Medicare advantage plans only have a max out-of-pocket of no more than $5000 which depending on which area you are located in..

Answered by Brady Kidwell on June 4, 2025

Broker Licensed in TN, FL, GA & KY, NC, SC & VA

Answered by Brady Kidwell Medicare Insurance Agent

Wade Lashley · Answer

Ultimately it's a choice you have to make yourself. Other people's opinions can be helpful but how much do they really know about Medicare? There are pros and cons to both options. If your uncertain as to which is the right choice for your needs I'd recommend contacting a Local Agent to clarify the differences between the two so that you can make an informed decision.

Answered by Wade Lashley on July 1, 2025

Broker Licensed in AZ, IN & KY

Answered by Wade Lashley Medicare Insurance Agent

John Burke · Answer

If your physicians accept Medicare Advantage, you can get additional benefits like dental, vision, and hearing that Original Medicare does not cover. 

The other option would be a Medigap plan, which has a monthly premium that works with Original Medicare, is not tied to a network, but does not cover dental, vision and hearing.

Carrie Chapman · Answer

Medicare is not a one-size-fits-all program. A Medicare Advantage plan can be very beneficial for many people, but for others, it might not make sense. I recommend sitting down with a licensed agent to go over all of the details. Things like medications, your doctors, and certain health conditions are important to consider when choosing a Medicare Advantage plan vs. staying with Original Medicare and a Medicare supplement.

Answered by Carrie Chapman on August 18, 2025

Agent Licensed in MO, AR, KS & OK

Answered by Carrie Chapman Medicare Insurance Agent

Steven Bleicher · Answer

It's so funny that when your car breaks down, you go to the expert, your great mechanic! But when your kids tell you something as important as your HEALTH! you are not being coached by an expert but one who most likely only hears bits and pieces of a hearsay conversation.+ It seems to me that your friends are closer to your age and my suspicion is that they may know juuuusst a little bit more about one’s healthcare! So, pick up Parts A & B, a Medicare Supplement plan and a Part D(rug) Stand-Alone plan please, as long as it is affordable and if you may have a few health issues to be covered, too.

Answered by Steven Bleicher on June 4, 2025

Broker Licensed in AZ

Answered by Steven Bleicher Medicare Insurance Agent

Andrew Zurbuch, MBA · Answer

Please use a Broker and ask questions. You need to have your own Advisor for Medicare Insurance.

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.

Diana Garner · Answer

Choosing between Original Medicare and Medicare Advantage can be confusing, especially with conflicting advice from family and friends. You should listen to yourself and make the decision that best aligns with your individual healthcare needs and financial situation. Neither option is inherently better than the other, and the right choice depends on your specific circumstances.

Answered by Diana Garner on June 26, 2025

Broker Licensed in KY, FL, IN, OH & TN

Answered by Diana Garner Medicare Insurance Agent

Steve Houchens · Answer

You should talk with an agent or someone that knows and understands both options. Both are good and just different. The most important thing is to understand fully the differences and choose which is best for you. I don't believe in a one size fits all approach. Know your options and choose from there.

Answered by Steve Houchens on July 12, 2025

Agent Licensed in KY & TN

Answered by Steve Houchens Medicare Insurance Agent

Ron Cronwell · Answer

Speak with a licensed and knowledgeable local insurance agent who will you take into account your specific situation and coverage needs. The decision is not only a financial one. Family health history, your health history, peace of mind, financial, availability of medical services in you area are a few of the consideration that go into making a educated decision. What is great for another person in a different location may not be the same for you.

Answered by Ron Cronwell on July 26, 2025

Agent Licensed in TN

Answered by Ron Cronwell Medicare Insurance Agent

Kristen Skinner · Answer

It depends on what you are needing. An Advantage plan helps with the 20% ou of pocket that Medicare does not cover. And has copays for specialists, hospital stay, etc. 
Original Medicare does not have a limit on the 20 % out of okcket costs but you have the freedom to go anywhere they accept Medicare . With Advantage plans you want to be sure you hospitals and doctors are kn network.

Barbara Barnes, CMIP® · Answer

You should decide for yourself because only you know what your priorities are.

There is no single right answer for which is best between Meficare Supplement and Medicare Advantage. Both work well in their specific ways.

Medicare Supplements use Original Medicare as the base for coverage and Original Medicare allows you to see any provider in the country that accepts Medicare. Medicare Supplement plans generally have less managed care, so they are also easier to use when your doctor wants you to receive treatment ents or to have tests done. Generally, the premium is higher for a Medicare Supplement, but the claims cost is lower. But Supplements do not include ’extra’ benefits like dental, vision or hearing benefits.

Medicare Advantage plans usually require that you see a network provider to receive the higher benefit amount. Some plans will only pay when you see providers who are in network. Advantage plans are also known for managing care to save money, so your doctor will need to have most tests and treatments approved before they take place. You will have a copayment for every service you receive in an Advantage plan, up to a plan-specific out-of-pocket maximum. Generally, premiums are lower (maybe even $0) for Medicare Advantage plans, but claims are higher. Most Medicare Advantage plans do include ‘extra’ benefits, but those benefits vary by plan year and insurance company.

In summary, it is important that you understand all of your options before you make a decision. You should consult with a local Medicare insurance agent before you make a final choice. Your family and friends mean well, but they cannot advise you as well as a licensed insurance agent on this issue.

Vernon Jones · Answer

You should have a licensed and certified agent/broker to discuss with your options. Yes, Original Medicare will only coverage 80% of your cost and yes you will still need to enroll in a stand-a long drug plan. While with a Medicare Advantage it is all in one medical and drugs and you will have additional benefits not offer through Original Medicare. A true needs analysis should be done work you so you can make the right decision for you.

Answered by Vernon Jones on September 10, 2025

Broker Licensed in NC & SC

Answered by Vernon Jones Medicare Insurance Agent

Melanie Blackston · Answer

When you are looking into a Medicare Advantage Plan versus Original Medicare, it's normal to receive conflicting advice from many different sources. Both plans have their own advantages and disadvantages, but the best choice for you will depend on your individual needs and preferences.

Answered by Melanie Blackston on July 9, 2025

Broker Licensed in SC, GA & NC

Answered by Melanie Blackston Medicare Insurance Agent

Robert Baez · Answer

Listen to yourself after going through a detail review of all your options.  Set an appointment with me and I will help you.

Erlynne (Elle) Massie · Answer

Honestly? Ask a qualified, licensed Medicare broker who is CMS (AHIP) certified to discuss and evaluate BOTH types of options for you. 

We who have made it our life's work to help Medicare beneficiaries make clear, strong, informed decisions are qualified to be able to advise on your options more than any unlicensed individuals. 

We must follow strict compliance rules in regard to providing unbiased, CMS-approved guidance. We cannot steer you one direction or another - that's a compliance violation. I actively write BOTH Medicare Advantage plans as well as Medicare Supplemental + Prescription Drug Plan coverage for my clients. 

As someone who has guided tens of thousands of clients toward their own "right fit" in my career, after working for one of the largest Medicare insurance companies in the country before becoming independent, I can tell you that your decisions are ALWAYS based on your needs, priorities, budget, goals and values. You. Individually. Every time. 

Having a relationship with a trusted, unbiased, licensed and certified Medicare Benefits Advisor is a lifelong path, and will never cost you a single penny. We are literally not allowed to charge for our professional services.

Sounds like a "second opinion" might be in order for you! Please feel free to reach out to me at the information in my signature, to discuss your situation in more depth.

Best,
Elle

David Haynes · Answer

Depends on what you want to pay in the long run. Original Medicare can get quite expensive if you use medical services frequently. You don't want to pay that 20 percent that Part B does not cover. Basically Part B is 80/20 while a Medicare Advantage plan has a Maximum out of pocket provision (Moop). Do the research.

Answered by David Haynes on September 29, 2025

Broker Licensed in TX

Answered by David Haynes Medicare Insurance Agent

Kathy Olejniczak · Answer

You need to meet with an agent to look at  your specific personal situation- location, doctors, medications and plans available in your area!!!

Advantage plans are like the works plans you have always bees on- managed by private insurance companies 

Each situation is different

Marva Becker · Answer

Original Medicare does not cover Medications, Vision, Hearing, Dental or Podiatry. As well there is no coverage for out of the country travel, among other things. While there are co-pays, a Medicare advantage plan will cover most of what Original Medicare does not cover and many of the plans include drug coverage.

Answered by Marva Becker on October 20, 2025

Broker Licensed in WI, IA, MA & MN

Answered by Marva Becker Medicare Insurance Agent

Lou Ann Pyatt · Answer

Talk with a trusted Medicare agent to review your options. One thing to consider is that there is no annual maximum out-of-pocket cost with Original Medicare, where as Medicare Advantage plans include a an annual maximum out-of-pocket cost.

Answered by Lou Ann Pyatt on April 28, 2026

Agent Licensed in SC

Answered by Lou Ann Pyatt Medicare Insurance Agent

Javier Salguero · Answer

You have to weigh the pros and cons.

Original Medicare allows you to see any doctor who accepts Medicare without a referral. However, you’ll need to purchase a separate drug plan. One drawback some people don’t like is that the 20% you’re responsible for has no maximum out-of-pocket limit—unlike Medicare Advantage or Supplement plans. If you prefer the flexibility of Original Medicare but want more financial protection, I recommend pairing it with a Medicare Supplement plan.

Medicare Advantage plans are usually HMOs. Many people like that most services are covered at 100%, and these plans often include dental, vision, and other added benefits at no additional cost. They also include prescription drug coverage, so there’s no need to buy a separate plan. Most Medicare Advantage plans have no monthly premium—you just continue paying your Medicare Part B premium.

Jeremy Henry · Answer

This is tough because we talk with friends and family to get different perspectives which is natural, however I would tell anyone in this situation to try to look at it from a neutral perspective, at least as much as you can.

When I sit with a client we go over what I call a "Medicare 101". My goal is to educate my client on these two options by going over the pros and cons of both. That way in the end they can make an educated decision on what is best for them.

Alicia Rosenquist · Answer

Choosing between Medicare Advantage and Original Medicare depends on your personal healthcare needs, budget, preference for flexibility, and where you reside. It's important to compare the differences and make a decision based on your unique needs. Be sure to review your current health condition, doctors, medications, and all the costs that are associated with each plan. This will help you make a clear decision that is right for you.

Answered by Alicia Rosenquist on December 29, 2025

Broker Licensed in AZ, KY, MI, NM & UT

Answered by Alicia Rosenquist Medicare Insurance Agent

Susan Story · Answer

Not every plan works for everybody. There are factors involved and those could be what you can afford, do you travel, do you have doctors that you really love and you want to stay with them and not possibly have to change. Whether you can pay an additional premium or not. There are many factors involved and what works for someone else doesn’t always work for us.

Answered by Susan Story on April 20, 2026

Agent Licensed in FL, AL, GA & 5 other states

Answered by Susan Story Medicare Insurance Agent

Mary Brown · Answer

There’s no one-size-fits-all answer, rather than choosing between your kids or friends, compare Medicare Advantage and Original Medicare with a Medigap plan based on your doctors, budget, and health needs to see which truly fits you best.

Answered by Mary Brown on March 30, 2026

Broker Licensed in NJ, DE, FL & NC, OH, PA & TX

Answered by Mary Brown Medicare Insurance Agent

Andrew Kramer · Answer

You should listen to neither of them! Why? Because they are not health insurance agents who specialize in Medicare! If you want a valid comparison of being on original Medicare, compared to an Advantage plan, speak with an experienced, independent agent.

Answered by Andrew Kramer on December 4, 2025

Agent Licensed in FL

Answered by Andrew Kramer Medicare Insurance Agent

Meghan Blankenship · Answer

You should listen to YOUR needs - not just your kids or your friends. Medicare Advantage and Original Medicare each have pros and cons, and the best choice depends on your health, finances and lifestyle.

Answered by Meghan Blankenship on November 13, 2025

Broker Licensed in FL, MD & OH

Answered by Meghan Blankenship Medicare Insurance Agent

Carol Thompson · Answer

I would say not to listen to neither. If you want an opinion then get a professional opinion from an insurance broker/agentand it’s Free! 

The role of an insurance broker is as such: each and every year we have to be tested for the changes of Medicare  laws/ guidelines and go through training to know the changes of the plans as they can change yearly. Seek professional help- often times
I have saved people quite a bit per year.

Suzanne Lamperti · Answer

Original Medicare is a better choice if you don't have specific or chronic issues. Medicare Advantage us more limited, you can't go to a doctor or specialist of your choice. If you do, they normally won't cover. If you travel, Originall Medicare is a better choice. Medicare Advantage is more restrictive.

Answered by Suzanne Lamperti on April 11, 2025

Broker Licensed in MD

Answered by Suzanne Lamperti Medicare Insurance Agent

Todd Bostic · Answer

I tell each person that they should make their own decision, because it depends on their health usually. If you are sick and have a Medicare Supplement, keep it, but if you are healthy, you are wasting money on a supplement, but some day you may need one, so it’s really what you can afford.

Answered by Todd Bostic on August 4, 2025

Broker Licensed in TX, AL, AZ & 12 other states

Answered by Todd Bostic Medicare Insurance Agent

Mike Henry · Answer

Whatever you think is best for you. Medicare supplements have one deductible. Yes they come with a price. Plus you have to get a prescription plan 

Whereas Medicare Advantage plans usually have no cost. However they’re full of deductible and copayments. Also your doctor and hospital may not be I. Network. Lots to consider

Adam Ernst · Answer

Your kids are not on Medicare Advantage so listening to them might not be your best choice. If you are on original Medicare, are you on a supplement, as well? If you are not, a Medicare Advantage plan would be a good choice. If you can afford a premium for a supplement, that is the better route and then you can purchase your own dental/vision plan to get more coverage there. It all depends on your situation. Contacting a licensed agent is the best way to get this information or go to your local SHIP office as they can give you the information, but cannot sign you up for anything.

Answered by Adam Ernst on December 19, 2025

Agent Licensed in NC, SC & TN

Answered by Adam Ernst Medicare Insurance Agent

Brent Mowery · Answer

You should listen to those that are knowledgeable regarding Medicare and the industry. Your family and friends have good intentions, but unless they are a licensed agent in the state where you live, they may give you "bad" advice.

Answered by Brent Mowery on November 6, 2025

Broker Licensed in OK, CO, NC & TX

Answered by Brent Mowery Medicare Insurance Agent

Toni Chavez · Answer

Thanks for your question! I would listen to either I would recommend speaking to a licensed broker who can review your Sutton and recommend options based on your specific needs. Friends & Family are great, but when it comes to you health and options having a licensed professional assist is the best course of action.

Answered by Toni Chavez on June 22, 2025

Broker Licensed in AZ, CA, NM, NV & UT

Answered by Toni Chavez Medicare Insurance Agent

Linda Davies · Answer

Your choice should align with the benefits you need and out-of-pocket expenses you are willing to pay.

Original Medicare does not cap out-of-pocket expenses, and does not cover additional benefits like dental, vision, and hearing.  

Medicare Advantage does cap out-of-pocket expenses.  This means that after you have paid a certain amount out-of-pocket, you won’t pay anything else for the rest of your plan year.  This max out-of-pocket expense is set by your plan.  

Also, Medicare Advantage covers additional benefits that Original Medicare does not, as mentioned, like dental, vision, hearing and more.

Amy Jones · Answer

Original Medicare has a 20% coinsurance on doctors and hospitals, but you are not limited to a network of doctors, which may work better for frequent travelers. 

Medicare Advatage plans have copays which are often less than a 20% coinsurance, but they often require you to see doctors in network (HMO’s) while a PPO will give you more freedom and flexibility to see out of network doctors as long as they will agree to accept the plan. Another advantage to Advantage plans is that they have a Maximum Out of Pocket (MOOP) and once you hit that limit, you won’t have to pay anything further for the rest of the year for covered Part A and Part B services. Original Medicare doesn't have a MOOP so there is no limit to how much you can be charged each year.

Jeremy Watson · Answer

Your coverage is YOUR coverage. It should be tailored to your specific health needs and situation. Speaking to a professional who can help you understand the pros and cons of both types of coverages, costs, networks, and advising based on your personal circumstances is ideal. Choosing a coverage based on "hear say" or "blind suggestions" may have consequences down the road.

Answered by Jeremy Watson on July 30, 2025

Broker Licensed in IN, FL, KY & MI, OH, SC & TN

Answered by Jeremy Watson Medicare Insurance Agent

Shahwali Hotaki · Answer

Listen to both — the right choice depends on you.

Original Medicare + Medigap: Best if you want nationwide flexibility and travel often.

Medicare Advantage: Best if you want lower premiums, extra benefits, and don’t mind network limits.


It’s about which fits your doctors, meds, and lifestyle.

Nora Alishahi · Answer

Listen to someone that know. Let an agent or broker show you the different options to make an inform desicion. Every case is different!

Patrick Stinson · Answer

In my opinion, you should talk to a licensed Broker / Agent and go over your individual needs and let the agent explain the pros and cons and help you to understand the differences. I hope this helps.!

Answered by Patrick Stinson on December 8, 2025

Agent Licensed in TX, AR, AZ & 9 other states

Answered by Patrick Stinson Medicare Insurance Agent

Tony Merwin · Answer

I would advocate listening to your friends as they actually have experience being Medicare recipients themselves.

What reasons are your kids recommending a Medicare Advantage plan?

Chauncey Bragg · Answer

What you need to do is get help researching the differnce between the two. You have to look at your health, if you have to see specialist, and if your health status is changing. All of this should go into consideration of weather to move to an advantage plan. As with anything informed decisions are best.

Answered by Chauncey Bragg on September 10, 2025

Broker Licensed in OH

Answered by Chauncey Bragg Medicare Insurance Agent

Jamie Blake · Answer

Original Medicare consists of Part A (hospital insurance) and Part B (medical insurance) only.  Medicare does not cover prescription drugs. 

Medicare Advantage, also known as Part C. Medicare Advantage plans combine Part A and Part B benefits and may also include prescription drug (Part D) coverage, routine vision, dental, and hearing services. In addition to extra benefits such as over the counter allowances (OTC), transportation, gym memberships and more.

Greg Strasma · Answer

Your kids are correct.  You do need a Medicare Advantage plan.  Original Medicare is Part A which is your hospitalization coverage, and Part B which is your medical insurance for doctor's visits, emergency room visits, etc.  

Currently Original Medicare costs for an overnight hospital stay is $1,676 per benefit period which is the first 60 days.  Most Medicare Advantage plans have an overnight hospital cost of $300 to $400 per day for up to 7 or 8 days.  Most Americans are not in a hospital for more than two nights.

Additionally, Medicare Part B only covers 80% of your costs.  Let's say you fell down and broke your arm and had to go to the Emergency Room.  After x-rays and resetting your arm, pain meds, etc., it is not uncommon to run up a bill of $15,000.  If all you have is Original Medicare you would get a bill for 20% of that $15,000 which is $3,000.  With a Medicare Advantage plan the total costs for an Emergency Room visit that includes everything they do for you runs between $110 - $130.  I don't know about you but I would much rather get a bill for $110 versus $3,000.

Dennis Sullivan · Answer

Having an Advantage plan is beneficial for the benefits outside of original medicare. For instance, vision, dental, hearing. There is also an option to get a part B buyback to alleviate costs associated.

Donald Baker · Answer

Every circumstance is different. You should meet with a licensed insurance advisor to discuss your individual situation, .

Sonya Chandler · Answer

You have to do what's best for you.  As everyone's situation is different.  I would explain the Medicare Advantage Plans and Original Medicare and help you to make an informed decision.

Leisha Stevens · Answer

Hello, That's a very common question, and both your kids and friends have valid points to consider! The best choice for you depends on your individual needs and preferences. Review Medicare Advantage plans and see which one includes your doctors and medication. 
Here is more information:
Original Medicare
Includes Part A (Hospital Insurance) and Part B (Medical Insurance).
Administered by the federal government.
Provider Network: Allows you to see any doctor or hospital in the U.S. that accepts Medicare.
Referrals: Generally, you don't need a referral to see a specialist.
Prescription Drug Coverage: Doesn't include prescription drug coverage (Part D), so you'd need to purchase a separate Part D plan or choose a Medicare Advantage plan that includes it.
Out-of-Pocket Costs: Doesn't have an out-of-pocket maximum.
Extra Benefits: Doesn't cover routine vision, hearing, or dental care.
Travel Coverage: Provides coverage throughout the U.S. Generally doesn't cover medical care outside the U.S., 
Medicare Advantage plans can offer lower premiums, may include prescription drug coverage and extra benefits like vision and dental care, and has an out-of-pocket maximum to limit your spending. However, you'll need to stay within the plan's network for most care and might need referrals for specialists.

Steven Maicus II · Answer

A plan needs to be right for your specific situation, as the best choice depends entirely on your personal healthcare needs, budget, and lifestyle. Have an Agent do a proper needs assessment.

Elizabeth Henderson · Answer

You will want to do your own research for what you think your own needs will be.  There are materials out there that can teach you about the varying different types of plans and we Medicare Agents are here for you also.  Our job is to listen to you and find the best fit for what you, and only you, want/need.

Mark Davisson · Answer

Straight Medicare without a supplemental policy or MAPD has no max out of pocket and high deductables making it very risky to not obtain additional coverage.  MAPD plans also offer additional benefits such as dental and vision not covered under original Medicare.

Listen to your kids.

Tyler Coleman · Answer

Listen to a Medicare insurance broker that can show you the advantages and disadvantages of both. This way you can make an informed decision. Also, Medicare.gov provides information on Medicare Advantage plans.

Christopher Stewart · Answer

You should listen to you and your needs. Choosing between original Medicare with a supplement and a drug plan vs choosing to go with a Medicare Advantage Prescription Drug Plan is 100% based on each individual's needs. You need to have a well versed and well-educated broker that can and will review all of your options and give you the answers to your questions that will help you decide which route is best for you.

Jessie Rhodes · Answer

My first response would be to listen to your kids but then I would recommend finding an Agent who could explain to you the the difference between the two and then I would also recommend doing an needs analysis to determine which option is best for you.

Cindy Dedini · Answer

Listen to a license agent.  The agent can evaluation your budget and medical needs to advise you on a plan that fits you specifically.

Tanja Roulhac · Answer

Choosing between Original Medicare and a Medicare Advantage plan depends on your personal health needs, preferences, and circumstances. 

Original Medicare (Part A and Part B)
Coverage: Hospital insurance (Part A) and medical insurance (Part B).

Flexibility: You can see any doctor or specialist that accepts Medicare without needing a referral.

Costs: You pay premiums for Part B, and typically deductibles and coinsurance for services.

Additional Coverage: You may need to buy a separate Part D plan for prescription drugs and/or a Medigap policy for extra coverage.

Medicare Advantage (Part C)
Coverage: Includes everything Original Medicare covers plus often additional benefits like vision, dental, hearing, and sometimes prescription drugs.

Network: Generally requires you to use a network of doctors and hospitals; may require referrals for specialists.

Costs: Often lower premiums than Original Medicare + Medigap, but you might have copayments or coinsurance with each service.

Extra perks: Some plans offer fitness programs, transportation, or wellness benefits.

Who to Listen To? You decide what is best for you.  I am available to assist with Part D carriers or if you choose a Medicare Advantage, I will assist you with choosing the carrier that best meets your needs.

I hope this helps.

Tanja Roulhac,
Licensed Medicare Broker

Jody Hill · Answer

Everybody's situation is unique.  Some people like the ideas of copays, others like the idea of a Medicare supplement.  The best thing is to compare and see what is best for you.

Tabitha Self · Answer

There are advantages and disadvantages to both options.  That is why it is important to meet with a licensed Medicare Broker that represents plans of all types to ensure you have the best plan type and carrier for your situation and budget.

Elenys Peraza · Answer

- If you value freedom to choose any doctor, especially if you travel or split time between states, Original Medicare + Medigap might be your best bet.

- If you want all-in-one coverage with extra benefits and don’t mind staying in-network, Medicare Advantage could save you money and simplify things.

- If you have chronic conditions, compare how each plan handles your specialists, prescriptions, and out-of-pocket costs.

Travis Helms · Answer

You need to meet with a licensed agent like me to go over both options and see what makes the most sense for your situation. Medicare is an individual and personal decision for your situation. Please reach out to me.

George Santangelo · Answer

Easy. If you can afford original Medicare with supplimental and you don’t notice the extra cost. Then stick with it. If money is an issue than do Medicare advantage.  Medicare advantage plans are still very good but the supplemental like N and G for example are better. You also need to add on drug coverage.

Christian Marti Del Campo · Answer

That’s a great question — and one that many people wrestle with. Whether Medicare Advantage or Original Medicare is better depends on your personal health needs, budget, and lifestyle. 
For better understanding of your options reach out a professional to help guide you through the process

Marie Smith · Answer

If she/he chooses Medicare Advantage, she/he will get extras like dental and lower monthly costs, but she/he will have to stay in their network. If she/he keeps Original Medicare, she/he can go to almost any doctor. And if she/he adds a supplement most of their bills are covered; but the premiums are higher and no extras. So I would advise them that it’s not about who’s right, it’s about what works best for their health & their pocket book.

Wessie Lee · Answer

Medicare is not a one size fits all answer.  Speaking with a trusted Insurance professional is the best way to make a decision.  Remember that it doesn't costs to speak to an insurance agent.  Also you are not required to purchase anything during you meeting.

Brenda Aguilar · Answer

Advantage plan is the way to go, you will get more benefits.  Get in touch with me for more help. There is options for all your needs

Renee Pena · Answer

The best choice for you depends on your personal health needs, financial situation, and preferences. That's a benefit of having a trusted agent to discuss your specific circumstances to get tailored advice.

Patrick Lohrey · Answer

Listen to your friends. They probably have friends who have experienced many of the pitfalls associated with owning Medicare Advantage. Your kids probably listened to Joe Namath on those phony Medicare Advantage TV adds.
The reality is you don't get health care for free - not even Medicare. If you want narrow provider networks owned by insurance companies, then select Medicare Advantage. If you want roughly 70% of the services you receive, requiring prior authorizations by the insurance company which allows them to respond by saying, "Not medically necessary," then select Medicare Advantage. If you need major surgery and end up spending 5 days in the hospital, which requires you to pay at least $1,500 out-of-pocket, then take Medicare Advantage.

I could go on. So, give me a call to follow up and to help you select a solid Medicare Supplement Plan. You can put an end to the argument and feel good about your choice. Patrick

Czarida Leyco · Answer

Hi, I suggest you work with a licensed Medicare agent in your state who can properly educate you in the difference between Original Medicare, Medicare Advantage and Medicare Supplement. By being informed and educated about Medicare in all its aspects, you will be better prepared to make the best Medicare plan that suits your needs.

Chryseis Griffin · Answer

Neither, you should take the time to talk to a licensed broker who can give you all of your options so that you can make an informed decision based on your specific needs.  Both options have their pros and cons, but it is best to look at both options and figure out what is best for YOUR needs.

Richard Guidice · Answer

First question is are your friends insurance agents, or will they be paying any of your medical bills ?  If not hear what they have to say, ask the right questions and decide based on facts and your specific situation.