Should I keep original Medicare or go with an Part C, Medicare Advantage plan? What is better?

Question

Medicare Melanie · Accepted Answer

What is better for one Medicare beneficiary, could be the biggest mistake for you. Unfortunately, there is no 'better' or 'best' when it comes to choosing your Medicare path. It is important that you work with a trusted broker to clarify your options.  

Original Medicare only should not be a consideration for most people. The financial gaps within Original Medicare will be catastrophic to most people. However, Original Medicare + a Medicare Supplement plan is what you will want to compare to a Medicare Advantage Plan. 

Most of our Medicare clients come down to the conclusion that it's Freedom VS Cost. The Medicare Supplement provides freedom of choice for a Medicare beneficiary, but typically at a higher monthly cost. The Medicare Advantage plan often has a $0 monthly premium for the plan itself, but you are often bargaining with some of your freedom of choice, such as what doctors you can see. 

Regarding the cost of a Medicare Supplement or Medicare Advantage plan, we are referencing what Medicare Supplements & Medicare Advantage plans cost in the state of Florida, as costs can vary across the USA.

Gary Church · Answer

It's important to understand the pros and cons of each. Do you want to manage your own health care or let Medicare Advantage manage your care? Affordability can influence your choice. You should meet with a licensed Medicare agent who can help you evaluate the best option for you.

Answered by Gary Church on September 14, 2025

Broker Licensed in Ca, AZ, NV & TX

Answered by Gary Church Medicare Insurance Agent

Steve and Sue Brauer · Answer

Hi, thanks for watching. So the question is, this person wants to know if they should keep their original Medicare or go on a Part C Medicare Advantage plan, which is better. I've said it a hundred times, and I'll say it again: if you live in a rural area or an area that does not have a lot of 65-plus people living in it, typically the Medicare Advantage plan networks are going to be fairly limited. I would probably go on original Medicare with a Medicare gap plan or a supplement plan. But if you're in an area like we are in Phoenix, many parts in Florida, or even Southern California, the Medicare Advantage plans have great networks. There's a lot of competition, and they offer a lot of extra benefits. Typically, the Medicare Advantage plans are offered at zero premium per month. They're all copay-based. Whatever services you obtain, it's all a copay-based system, and they're definitely worth looking at.

Daniel Brechin · Answer

Depending on what they are comfortable with. I always let the customer decide and show them the plan they chose. Then compare that to supplement and Medicare Advantage plans. I do not push them and let them make a decision.

Answered by Daniel Brechin on August 30, 2025

Agent Licensed in AL, FL, KY, MS & TN

Answered by Daniel Brechin Medicare Insurance Agent

William Lawler · Answer

Original Medicare (OM) is an 80/20 health plan. If hospitalized, the government pays 80% and you pay 20% of the costs. There is no limit on your 20%. A Part C (Advantage Plan) would cover a lot of these costs that OM does not. A Part C plan can also give you coverage for prescription drugs, vision, dental and hearing that OM does not.

Answered by William Lawler on May 9, 2025

Broker Licensed in MO, FL, IA & 12 other states

Answered by William Lawler Medicare Insurance Agent

Terri Reagin · Answer

I'm a pretty firm believer that Original Medicare is only the best choice when paired with a supplement. The reason is simple. There is NO max out of pocket to Original medicare. Part C is a great choice for those that do not mind paying low copays and enjoy the low premiums, but at minimum they at least have a max out of pocket in case something catastrophic happens

Answered by Terri Reagin on July 7, 2025

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

Answered by Terri Reagin Medicare Insurance Agent

Christopher Boyd · Answer

Some people are eligible for some form of State(Medicaid or Medicare Savings Program) or Federal government assistance such as VA or Tricare For Life. These individuals do not require a Medicare Supplement and are eligible to sign up for a Medicare Advantage plan in their local area,  these plans offer benefits in addition to Tricare or the VA. 

Other Medicare enrollees with a low limited income who are above State Assistance program levels, are often able to receive local or regional Hospital Financial Assistance. These folks also do not require a Medicare Supplement and may benefit from additional benefits of a Medicare Advantage plan in their local area.

Other retirees will desire to pay for a Medicare Supplement plan to cover medical costs above a small annual deductible and possible office visit or ER co-pays (Plan N) or no office/ER co-pays (Plan G). 

The financial situation is unique for each enrollee and their are NO canned answers for all enrollees as some folks need a Medicare Supplement while others can benefit from a Medicare Advantage Plan without the risk of high out of pocket annual copays.

George Ibanez · Answer

Without a doubt in my mind, original Medicare with a Medicare supplement plan is a superior option that doesn't even compare to ANY Medicare advantage plan. Part of the reason is that there are no networks for Medicare supplement plans and you can go to any doctor or hospital that accepts Medicare and there are no pre- authorizations on Medicare supplement plans either.

For more information, contact George.

Mark Maliwauki · Answer

Original Medicare has no Rx, dental, vision, hearing or OTC benefits. You would need separate policies to have them and the Part D or Rx plan is mandatory or your will be fined for life.

It also doesn't pay for copays and deductibles. And, of any expenses you incur, you will owe 20%.

A Part C or MAP+D plan comes with all of the benefits or 90% of the benefits above (depending on the plan and service area) and has a MOOP (Maximum out of pocket) so you know that the most you will ever pay vs the 20% of Original Medicare is a set amount. Then, you are covered 100% for the remainder of the year.

That safety net and the fact that MAP+D (Part C) plans are very affordable is really what you have to consider.

Tony Capraro III · Answer

Should I keep Original Medicare or go with a Part C Medicare Advantage Plan? Which is better all depends on the client and the circumstances. Here at my State Farm agency on Kelly Street in Manchester, we help people every day with that question. We're going to be able to give you all the pros and cons of sticking with Original Medicare Parts A and B or going to a Medicare Advantage Plan, now called Part C. It’s all Medicare alphabet soup, and it’s difficult until someone like myself can explain it so that it’s easy to understand. Then you can make the best decision for you and your family. Please allow us to help you with that; we’d be happy to.

Jonathan Potter · Answer

I would say going with the Medicare advantage program over. Just Medicare any day of the week. If you go just Medicare, you’re still going to have to purchase a drug program and with Medicare advantage you can have that drug program usually for no cost per month and have lower co-pays and costs to see your doctor. You also get extra benefits like Jim, memberships and money for over-the-counter items.

If you have just Medicare, you’re going to have massive deductibles when you use the plan and you’re gonna be penalized. If you don’t get a drug program.

Steven Lovell · Answer

That lies in whether or not you want to pay more or less in copayments and large MOOP deductibles. If you keep original medicare and you don't have a medicare supplement, you're going to be paying copayments and large deductibles. If you go with a medicare part c medicare advantage. You're gonna have copays and large deductibles. If you go with a medicare supplement, you'll have a premium, one small annual deductible and no copayments.

Answered by Steven Lovell on June 21, 2025

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

Answered by Steven Lovell Medicare Insurance Agent

Lauren Fodde · Answer

There’s no one “better” choice — it really depends on your needs. Original Medicare (with or without a supplement) gives you the freedom to see almost any doctor nationwide, but you’ll usually pay higher monthly premiums. Medicare Advantage (Part C) often has lower premiums and extra benefits like dental or vision, but you’re limited to the plan’s network of doctors and hospitals.

The best option comes down to your budget, your health, and which doctors and medications you want covered. That’s where I step in — I’ll walk you through both options and help you choose what truly fits your life.

Jacqueline Proffit · Answer

hi! It depends on your personal goals and values. If you want freedom to who you use when you need it then choose a medigap plan. If you are on a tight fixed income then go with a medicare advantage plan.

Answered by Jacqueline Proffit on November 26, 2025

Broker Licensed in FL, AR, CA & 15 other states

Answered by Jacqueline Proffit Medicare Insurance Agent

Paul Potter · Answer

You should compare both options to see which fits your requirements and needs.  I can help if you want.

Paul Potter

Don Hudson · Answer

Straight Medicare is very good if you pair it with a Medicare Supplement Plan. The Supplement plans cost more then Medicare Advantage Plans but the is only a small deductable for evample in the Plan G. Another note: Plan G pays the 20% of the Part A & Part B that Medicare does not cover.

Answered by Don Hudson on August 27, 2025

Broker Licensed in FL

Answered by Don Hudson Medicare Insurance Agent

Ellen Diehl · Answer

It sounds like you were saying you have part A as an apple and B as in Boy?.  But have not added a Medicare supplement plan G = good
Medicare Advantage plans are getting worse and worse year over year. I can give you a much more detailed response if you’d like to contact me
I can’t go ahead and tell you this. In 2025, 2 million people were displaced from their Medicare Advantage plans. Also, the same in 2024. In 20 2540, hospital systems across the United States withdrew from disadvantaged plans. If you would like more information, I’m happy to provide it. You can contact me.

Marsha Reiniers · Answer

If you keep original Medicare, you will need to evaluate your options for a Medicare Supplement and Part D drug plan, OR a Medicare Advantage plan. A Medicare Advantage plan is a health managed, “all in one” type plan, and typically includes a drug plan, as well as other ancillary benefits, like vision, dental. The route you take really depends on your own lifestyle, budget, and health care perspective. Talk to an agent who is contracted to sell both types of plans so you can make your own educated decision about the plan that works best for you.

Answered by Marsha Reiniers on July 1, 2025

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

Answered by Marsha Reiniers Medicare Insurance Agent

Andrew Firmin · Answer

When you enroll in Medicare, should you keep Original Medicare or go with a Part C Medicare Advantage plan? Which is better? Great question! Now, the term "better" is subjective. What is better for one person may not be what is best for another. It's important to understand what your healthcare needs are and what your financial situation is.

Now, the way Medicare Advantage works, it's managed care, just like the health coverage you had when you were working. Now, what does that mean? That means you may need to adhere to a network of doctors and hospitals. There may be prior authorizations for certain procedures or services, and you may have co-pays up to a certain dollar amount. So, it's important to understand what your coverage is, what your propensity or appetite for risk is, whether or not you're interested in staying with a certain network of doctors, and whether or not you want co-pays in exchange for trying to pay a lower dollar amount upfront.

So, what is best for one person may not be best for another. It's important to understand what the plans are in your area and what all of your options are. I hope that helps! Until next time, be healthy and be well.

Sherry Rose · Answer

Medicare is a personal choice; all plans are great and depend on the client's situation.
Contact us so we can better assist you. Please feel free to reach out.

Brian Cronin · Answer

There isn’t one option that’s “better” for everyone — it really depends on what you value most. Original Medicare gives you more freedom to see doctors and usually works best if you want flexibility, though you’ll likely add a drug plan and possibly a supplement. Medicare Advantage often has lower premiums and extra benefits like dental or vision, but comes with networks and rules about where you can get care. The right choice comes down to your health needs, budget, and how much flexibility you want.

Answered by Brian Cronin on February 18, 2026

Broker Licensed in NH & ME

Answered by Brian Cronin Medicare Insurance Agent

Lilyana Uzdenova-Gomez · Answer

Your choice depends on your ultimate goal, budget and objectives. If you are comfortable paying a monthly premium for the flexibility of the supplement, and having a separate monthly premium for a stand alone Prescription Drug Plan then Original Medicare+Supplement + PDP is a great option. You will have no network restrictions and minimal pre-approvals. 
   If paying a monthly premium for a supplement and a stand alone drug plan seems pricey, and you are ok with seeing the network providers, as well as getting prior authorizations for your services, along with some extra benefits not covered by Medicare rolled into one plan, then Part C a good option. In either case, sitting down with an experienced advisor will help clear this up for you. Keep in mind that part C benefits change every year, as do networks. A reputable agent will not make a recommendation until he/she is familiar with your needs.

Mariela Arana · Answer

This is a personal choice and can only be decided upon based on a person’s needs. A thorough analysis helps determine the answer. One can only evaluate this by verifying doctors, medications, financial impacts, and understanding any medical, physical and social needs. We must always take continuity of care into consideration. I would only know what works for my client, after asking the questions that would help us determine what would work long term.

Answered by Mariela Arana on August 1, 2025

Agent Licensed in CA, AL, AZ & 8 other states

Answered by Mariela Arana Medicare Insurance Agent

Duane Everding · Answer

The word I've seen used with for Medicare supplements is "luxury". If you cannot afford a supplement plan, then you should consider a Part C Medicare Advantage plan. Original Medicare has a high coinsurance, no maximum out of pocket, and no dental/vision/hearing coverage.

Answered by Duane Everding on February 2, 2026

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

Answered by Duane Everding Medicare Insurance Agent

Andrew Bennett · Answer

IF cost isn't a factor then for your medical coverage, I think traditional Medicare with a supplement is better.  Hands down.  Why?  Medicare Advantage plans have too many dis-Advantages.  There are networks and it's always harder to stay in-network than it should be.  There are plan changes every year.  The Out-Of-Pocket Maximums can be significant financially.  

Then there is the issue of control. With Medicare Advantage you are essentially giving your Medicare over to the insurance company to manage.  Are they going to manage it in your best interest or their best interest?  I'm sure you have heard the term "prior approval" or "utilization review"... or maybe your doctor just said, "I'd like to do a "such and such" test, but we have to check with the insurance company to make sure they will pay for it.  

There's a lot more of that with Medicare Advantage.  There are some prior approvals with traditional Medicare, but they really are just looking for fraud, waste, and abuse...  they aren't trying to protect their stock price or their executive's compensation package.

With traditional Medicare and a supplement, you and your doctor have more control of your healthcare.  

Now... all that being said... it's going to cost a little more.  Most Advantage Plans have plans that are $0 a month (Keep in mind you have to pay your Part B premium whatever your choice is).  There is a cost for keeping control of your healthcare and that is the cost of a Medicare Supplement and a Drug Plan (Part D).  The price of that supplement will likely go up every year. What you start out paying is not what you will end up paying.

You have to keep your budget in mind.

Joseph Lipski · Answer

It all depends on your situation. For some people Medicare advantage is a better situation. For other people a Medicare supplement suits them better. There’s a lot of factors. If you can afford the premiums, a Medicare supplement may be better.

Answered by Joseph Lipski on April 13, 2026

Broker Licensed in NJ, CA, DE & 17 other states

Answered by Joseph Lipski Medicare Insurance Agent

Joseph Mullen · Answer

Choosing between an original Medicare plan and a Medicare Advantage plan depends on your budget, care needs, desired benefits and preferred doctors. Medicare is the federal health insurance program designed for people over age 65, as well as those under 65 with qualifying disabilities. Medicare Part A (inpatient care) and Part B (outpatient care) are known as original Medicare. Medicare Advantage, or Medicare Part C, refers to plans offered by private insurance companies. These plans offer coverage comparable to original Medicare as well as some additional benefits, such as vision or dental coverage. I would need a little more information to advise on which option is best for you. Please contact me at your convenience.

Answered by Joseph Mullen on June 23, 2025

Broker Licensed in NY, CT, FL & 5 other states

Answered by Joseph Mullen Medicare Insurance Agent

Timothy Baggett · Answer

Well the short answer is “Medicare Advantage” because it offers more financial protections and benefits than original Medicare alone. But if you are paying for a Medicare supplement then the financial risk is mitigated and if you have a Part D plan, and you are comfortable with the premium, then staying on original Medicare with a supplement can give you much more flexibility.

Answered by Timothy Baggett on February 17, 2026

Broker Licensed in FL

Answered by Timothy Baggett Medicare Insurance Agent

Michael Brady · Answer

This question is a hard one. First check whats avaible for your zip code. Then coose the best option for your self.

Denise Johnson · Answer

There's not one that's "better" for everyone--it depends on your doctors, medications, budget, and how you prefer to receive care. Original Medicare offers more flexibility, while Medicare Advantage plans often include extra benefits and lower upfront costs.

Answered by Denise Johnson on May 20, 2026

Agent Licensed in NC, FL, ME, SC, VA & WV

Answered by Denise Johnson Medicare Insurance Agent

Diana Garner · Answer

It all depends on your individual healthcare needs.  

Staying on Original Medicare provides you with a wider range of coverage and freedom to choose your doctor, but you do have higher deductibles, copays, and coinsurance amounts.

Choosing a Part C plan may limit your options for doctors/facilities, but you would have little to no copays/coinsurance amounts, some additional benefits not offered under Original Medicare, and generally the same coverage as Original Medicare.

Steve Houchens · Answer

That would depend on your own personal needs and financial situation. You would need to talk to an agent that is versed and knowledgeable on both plans and can explain all options available to you and what would work best for you personally. I don’t feel there is a one size fits all plan but should be individualized for you.

Answered by Steve Houchens on June 19, 2025

Agent Licensed in KY & TN

Answered by Steve Houchens Medicare Insurance Agent

Jim Tretola · Answer

Keeping just Original Medicare can prove costly, as Part B only pays for 80% of the Medical bills. Considering and Advantage Plan, or a supplemental Plan as secondary insurance, is a smart choice.

Timothy Brown · Answer

Original Medicare covers Part A Hospital/Inpatient Services & Part B Medical/Outpatient Services only. It does not include Part D/prescription coverage and you'll be subject to the 20% coinsurance that Original Medicare does not cover, nor does it include additional benefits that Medicare Advantage plans provide. With that said, the question should be do I go with a Medicare supplement/ Medigap plan or Medicare Advantage plan/Part C. These are the options to consider when it comes to reducing your out-of-pocket cost that Original Medicare does not cover.

Answered by Timothy Brown on July 16, 2025

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

Answered by Timothy Brown Medicare Insurance Agent

Priscilla Ramos · Answer

There’s no one size fits all “better” it depends on your needs:

Original Medicare gives flexibility to see any doctor but usually doesn’t cover extras.
Medicare Advantage (Part C) bundles Medicare with extra benefits like dental, vision, or fitness, often with lower out of pocket costs, but may limit your doctor network.

Choosing the right plan depends on your doctors, prescriptions, and the benefits you want.

Walt Smith · Answer

Original Medicare with a Medicare supplement and drug plan versus a Medicare advantage plan which has everything in one both approaches are excellent. 

It all depends on your personal preference  you we would make sure that all your doctors and medicines are covered in a Medicare advantage plan before we could consider it  

Medicare Advantage has become very popular. In fact you can have a Medicare Advantage trial. Or anytime in the first year if you do not like it, you can go back to a Medicare supplement.  
Walt Smith
Contact me.

James Stang · Answer

Original Medicare is Parts A&B and it is required you keep them active to be enrolled in a Medicare Advantage Plan. If you were talking about enrolling in a Medicare Supplement or a Medicare Advantage Plan, that is something you would want to discuss with a Medicare Agent. Every person is different and your needs are different than the needs of others. One is not necessarily better than the other for everyone.

Answered by James Stang on August 28, 2025

Agent Licensed in OH

Answered by James Stang Medicare Insurance Agent

Chad Watkins · Answer

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 networks. They usually have 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 a 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 won't 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, cleanings, and sometimes they will offer a wider range 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 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, any hospital that you want. Medicare supplements do not include prescription drugs, so you probably also want to get a standalone prescription drug plan. Medicare supplement 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 into for the year, and you can't change it till 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. So if you have any other questions, please feel welcome to give me a call. I am licensed in every state and DC.

Diana Salisbury · Answer

Do research on your own.  Or take time to meet with an insurance professional to learn what your options might be.

David Silver · Answer

Today's question is, should I keep original Medicare or go with a Part C Medicare Advantage plan? Which is better? There's no real way to answer that question. These are two distinctly different types of coverage. If you go with straight Medicare, you'll never have to worry about network. You can see any doctor in the country that accepts Medicare, and you'll never have to worry about referrals or, for that matter, prior authorizations, which are not very common either. But you will pay a monthly premium whether you get sick or not.

For folks that go with Medicare Advantage, these are people who do not want to pay a monthly premium. These are people looking to get extra benefits that Medicare does not provide, like prescription drug coverage, dental, vision, hearing, and over-the-counter medicine. But with Medicare Advantage plans, there are networks; these are network-driven health plans, meaning some doctors take them and some doctors don't. Prior authorizations are required for most services. So it's a bit more restrictive, but both of these plans can work quite well. It depends on what your needs are.

So if you're looking to distinguish what's going to be a better option for you, feel free to reach out to us, and we'll be more than happy to help you out, steer you through, and make sure you make the right decision for yourself.

Satoshi Aoki · Answer

Each plan has Pros and Cons, and if you already have original Medicare with a Medicare supplement plan, you might stay with your plan.  Here are the Pros and Cons.

Medicare Advantage (Part C):

Pros: Lower monthly premiums, includes extras like dental and vision, etc(each plan is different)

Cons: Limited provider network, may need referrals, variable out-of-pocket costs

Original Medicare + Supplement (Medigap):

Pros: Freedom to see any doctor nationwide, predictable costs, no referrals needed

Cons: Higher premiums, doesn’t include dental or vision coverage

Everyone’s situation is unique, and I’d be happy to help you review your options and find what gives you the most peace of mind.

Cheryl Lockhart · Answer

There’s no one “better” choice.  It depends on your needs.

Original Medicare offers nationwide access to any doctor that accepts Medicare and works well for people who want flexibility or travel often. You can add drug coverage and a supplement for an extra cost.

Medicare Advantage bundles coverage into one plan, often with drug coverage and extras like dental, vision, and fitness benefits. These plans usually have provider networks and and no extra premiums other than your Medicare Part B premium. 

The bottom line is to choose the option that best fits your doctors, budget, and how you prefer to receive care.

Jason Vallejos · Answer

Stand alone Medicare is never a good idea.  You should consider a Medicare Advantage Plan or a Medicare Supplement Plan with a Part D plan.  Medicare alone has financial gaps in coverage.

Sagrario &quot;Sage&quot; Dyer · Answer

There is no such thing as a better plan.  What is better for you, may not be better for another beneficiary.  Staying with original Medicare and a stand alone prescription plan allows beneficiaries the freedom to see any provider who takes Part A and B, anywhere in the country, often without referrals, although some procedure may require prior authorizations.  If a beneficiary thinks that they may one day want to use the Mayo Clinic, John Hopkins or other specialized facilities for medical opinions, these organization are limiting their acceptance of Medicare Advantage plans.  

Part C, or Medicare Advantage plans, offer predicable cost and some $0 premium plans.  The major carriers offer travel benefits and national networks, along with ancillary add-ons such as dental, vision and hearing.  As the plans change, beneficiaries must always remember that Medicare Advantage plans are medical service plans, not dental, vision or hearing plans.  

Better is not always best.  Having a local agent review your plan annually is crucial to knowing what is better for one's health.

Dawn Young · Answer

This is a question that requires understanding of risk. If staying with Original Medicare Part A and B you will be subject to much higher out of pocket expenses. Medicare Part C helps lower that risk significantly. 

Thanks for asking!

Dawn Young
HealthMarkets Insurance Agency

Harold Randolph · Answer

That depends on what your needs are. Original Medicare requires a medigap even if just to have a max out of pocket amount. Part C gives you options with lower premiums but more cost share. 

I recommend finding a professional like myself. My job isn’t to push one or the other. My job is to look at your doctors, your prescriptions, and your budget—and recommend the option that fits you the best.

reach out if you’re interested in a sit down. 

Harold Randolph 
Contact me

Cathy Barnett · Answer

If you go with part C (Medicare Advantage plan), you'll get additional benefits such as dental, vision, hearing and your par D (prescription drug coverage is included. Also, you avoid the 20% charge Medicare doesn't pay.

Answered by Cathy Barnett on June 4, 2025

Broker Licensed in TX, AL, NC & SC

Answered by Cathy Barnett Medicare Insurance Agent

Hudson Albert · Answer

Choosing between Original Medicare and a Medicare Advantage plan depends on your priorities. Original Medicare gives you more flexibility to see any doctor nationwide who accepts Medicare, but often requires adding a separate drug plan and supplemental coverage for out-of-pocket costs. Medicare Advantage plans bundle coverage and may offer extra benefits like dental, vision, or even grocery allowances, often with lower upfront costs—but you’ll typically need to use a network and follow plan rules. There’s no one-size-fits-all answer; the “better” option is the one that aligns with your doctors, medications, budget, and lifestyle.

Answered by Hudson Albert on April 1, 2026

Broker Licensed in TN, AL, AZ & 20 other states

Answered by Hudson Albert Medicare Insurance Agent

Nick Morris · Answer

I do not believe there is one answer to this that applies to all people. Both original Medicare and Medicare Advantage make sense to some people. My best advice is to understand both options and consult with someone about the differences before deciding which makes more sense for you.

Answered by Nick Morris on September 22, 2025

Agent Licensed in MO, AR, AZ & 6 other states

Answered by Nick Morris Medicare Insurance Agent

Ron Hamilton · Answer

Medicare Part A and B, called Original Medicare only covers 80% of your treatment and also comes with deductibles.  So, something like removing a mole may only cost you about $200 as a copay.  But if you need a triple bypass, that 20% you owe could be tens of thousands.

Part C, or a Medicare Advantage plan often comes with no premiums and no deductibles.  Those plans also have a Maximum Out of Pocket cost (MOOP) , so once you pay that amount, you do not pay any medical bills once your out of pocket cost hit that amount.

Also, Original Medicare does not come with Rx coverage.  You must buy that (Part D) separately.  Most Advantage plans include Part coverage at no extra charge.

The bottom line?  Part C provides more coverage than Original Medicare, and often does not cost you money.

David Koller · Answer

This question requires a meeting... there is no brief answer… too many factors to look at.  Your specific situation and lifestyle will determine which is best.

Diane Walker · Answer

Original Medicare alone is a 80/20 plan, meaning you are responsible for the 20% that Medicare does not cover.  Plus, you are paying a monthly premium for a drug plan.  When you opt into a Part C plan, it covers everything Original Medicare covers and includes drug coverage. 


The examples I would use for that........

If you have Original Medicare with NO gap coverage, you need something.  You need to look at a supplemental policy or a Medicare Advantage Plan (Part C)

You have Original Medicare and you receive Medicaid, all your medical bills and prescription drugs are probably covered at zero charge.  But, Medicare Advantage Plans in most cases can add some rich benefits to your life.

Toyin Adeleye · Answer

It's almost never the better option to go with Original Medicare. You're responsible for 20% of costs for part B services (with no limit) for one.
 
Most people decide between Medicare supplement (medigap)- which covers out of pocket costs and that 20% for part B (while letting you see any doctor that takes Medicare), and Medicare Advantage (Part C)- which acts as a replacement for original Medicare with some added perks, but comes with its own limitations. You still pay the part B premium regardless of which path you take; but you have to factor in things like  your lifestyle, budget, and providers/meds when deciding which is best for you. A good broker will explain these things in depth, do a needs assessment with you, and help you make an educated decision.

Shannan Pruitt · Answer

I would definitely with out reservation enroll in a Medicare Advantage plan before ever staying with original Medicare A and B. I can explain with one benefit and that the max out of pocket Advantage plans have to offer by federal law. 
This max out of pocket will protect you if you have a bad health year so you’re limited, protected on what you would spend on Medicare approved health care. Keep in mind if you’re trying to keep your out of pocket cost at a minimum you may want to to consider adding a hospital indemnity to your Medicare advantage plan. Even adding this you’re still saving more money going this route than with a supplement. Just keep in mind Medicare advantage plans are not Medicare supplements and you will have to get prior authorization and need to stay in network for the most cost savings with advantage plans. But they do offer additional benefits supplements or original Medicare don’t offer. I hope that helps you make your decision.

Maria Tabor · Answer

That question is difficult to answer unless you know the individual's health status. Everyone is unique, and I would need to know if they travel, which doctors they see, what medications they are taking, etc.

Answered by Maria Tabor on June 10, 2025

Agent Licensed in NC, FL, GA & 6 other states

Answered by Maria Tabor Medicare Insurance Agent

Fred Manas · Answer

The choice between Original Medicare and a Medicare Advantage (Part C) plan depends on individual needs and preferences. Original Medicare provides the most flexibility in choosing healthcare providers, but may have higher out-of-pocket costs and doesn't cover many "extras" like routine vision, hearing, and dental care. Medicare Advantage plans offer a wider range of coverage, often including those extra benefits, but with network restrictions and potentially higher premiums.

Answered by Fred Manas on May 15, 2025

Agent Licensed in NY, CT, DC & 7 other states

Answered by Fred Manas Medicare Insurance Agent

Vachik Chakhbazian · Answer

Original Medicare offers more flexibility in choosing doctors and hospitals, while Medicare Advantage plans often provide extra benefits and lower costs,

Gary Henderson · Answer

Medicare supplement plans are always better. Here's just a couple of reasons. Go to any doctor or hospital. You're not in a network anymore. You're in Medicare. Your insurance has to pay the 20% and hospital co-pays deductibles 
All plans are standardized so they're all the same 
They work anywhere in the United States and US territories 
Much better coverage

Mary Brown · Answer

There’s no one-size-fits-all answer. Original Medicare covers approximately 80% of hospital and medical care, Medigap can fill gaps but does not cover things like dental, and vision, while Medicare Advantage (Part C) bundles coverage and may add extras like dental and vision after copays, coinsurance and deductibles are met, choose based on your doctors, prescriptions, and budget.

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

There is no "pat" answer to this questions. The variables are: #1 Where do you live, in a rural or urban area? Urban areas typically have more Dr's who take Advantage plans. #2 Did you or an agent, research your current Dr's to see which Advantage plans they accept? #3 Do you live in one place, or do you have a home in another state that you frequent? #4 Can you afford a Medicare supplement plan?

Answered by Andrew Kramer on May 9, 2025

Agent Licensed in FL

Answered by Andrew Kramer Medicare Insurance Agent

Carol Thompson · Answer

Deciding on whether what plans to go with depends on your personal needs. It is important to consult with a licensed broker for guidance on what will best suit your needs.

Suzanne Lamperti · Answer

That depends on your health care needs. Do you have conditions which need special services? Most Part C plans Don include prescription coverage. Can you afford a Meducare Supplement? These are things you need to consider.

Answered by Suzanne Lamperti on June 19, 2025

Broker Licensed in MD

Answered by Suzanne Lamperti Medicare Insurance Agent

Jaye Maxx Alexander II · Answer

I would strongly recommend that you take the time to look at all of your doctors, hospitals, and the services that you will need in the future. The MAPD{Part C} may be best for you, but you have to look at the complete picture. You may need to have a Medicare Supplemental plan or a MAPD (Part C) with a hospital indemnity plan.

Answered by Jaye Maxx Alexander II on June 23, 2025

Broker Licensed in NC, AK, AL & 47 other states

Answered by Jaye Maxx Alexander II Medicare Insurance Agent

Eizel Mere · Answer

Original Medicare has high deductibles and copays, you are leaving yourself woth may gaps to pay out of pocket. The worst been there is no maximum out of pocket. The best option is case by case. Call me for a free consult and I will be able to advice you properly and honestly.

Answered by Eizel Mere on September 22, 2025

Broker Licensed in FL

Answered by Eizel Mere Medicare Insurance Agent

Rodolfo Rojas · Answer

What type of Medicare coverage are you in? Usually original Medicare will cover 80% of the service. If you have Medicare Advantage, call the insurance company to see what the coverage is for emergeny transportation.

Answered by Rodolfo Rojas on November 18, 2025

Broker Licensed in NV, AL, AR & 36 other states

Answered by Rodolfo Rojas Medicare Insurance Agent

Don Hansford · Answer

The question should be what is better for my situation. Everyone has unique needs and wants, both original Medicare and Medicare Advantage are good products, it boils down to which one is going to do the best job for you.

Answered by Don Hansford on April 27, 2026

Broker Licensed in TX

Answered by Don Hansford Medicare Insurance Agent

Adam Ernst · Answer

It really depends on your situation. This is why you should contact a local agent so they can give you the best information for your situation. It would depend on your finances, health conditions, etc. I like the Original Medicare with a Supplement so you know exactly how much you would be spending each month.

Answered by Adam Ernst on December 29, 2025

Agent Licensed in NC, SC & TN

Answered by Adam Ernst Medicare Insurance Agent

William Scott · Answer

Great question! As a Medicare recipient you have choices. 

Option A- Using Medicare Parts A and B to pay for your hospital and medical related bills in the future using Medicare’s formula of 80%/20% split. Medicare pays 80% you would be responsible for the remaining out of pocket (OOP) of 20%, and purchase a separate Prescription Drug Plan, or 

Option B- After being granted Medicare Parts A and B. Choose a Medicare Advantage plan offered in your area that will help manage your Medicare by adding additional benefits and services that will help keep you healthier with annual Preventative exams, teeth cleanings, eye, ear and vision exams with minimal copays and in most cases $-0- cost to you. 

A seasoned Broker can review a variety of plans in your area that competing carriers offer. To assist you further, Brokers have the ability to reveal each plan’s 5-star rating that help you determine the Medicare Advantage plan that’s right for you.

The best plan is the one that will address all in not most of your needs and piece of mind.

Chad Hardy · Answer

There’s no simple “better” option — Original Medicare offers flexibility, and some add a supplement plan to go with Original Medicare, while Medicare Advantage (Part C) often includes extra benefits and lower premiums but uses networks. The right choice depends on your needs, so I’d recommend talking with a Medicare agent to review your options and go over the details.

Answered by Chad Hardy on September 29, 2025

Broker Licensed in TX, AL, AR & 8 other states

Answered by Chad Hardy Medicare Insurance Agent

Jeremy Watson · Answer

The answer is that it depends on you and your personal situation. There are a lot of things to consider and understand that make original Medicare and Medicare Advantage very different. The way they operate, networks, costs, and benefits are handled differently from original Medicare and vary greatly from company to company and plan to plan. Sitting down with an agent who will thoroughly review your situation and cover the differences in depth with you so you are making a fully informed decision is important. In some situations making a change like this will limit your choices later down the road.

Charlie Fitzgerald · Answer

Without a complete analysis of your wants, desires and needs , as well as Reviewing yurr health abcs medications, it would be irresponsible to make a recommendation.

Tony Merwin · Answer

The answer varies based on your unique individual needs. Healthcare, especially within Medicare, is not a one-size-fits-all. My advice woudl be to speak with a reputable agent who can properly compare both sides and help you guage what suits you better.

Donald Baker · Answer

Both plans work with Medicare. The answer to your question lies within your personal circumstances. Both have positives. I would meet with a licensed agent to go over your given situation so you can make an informed decision.

Casey Graves · Answer

Unless you have a Medicare Supplement, you would be extremely financially exposed with Original Medicare. With Medicare Advantage, you are protected financially by a max-out-of-pocket. This question does not have a "one size fits all" answer. Part C is a great and often budget friendly option for several beneficiaries but some of the cons include networks and more prior authorizations than Original Medicare. Lets get together and I'd be happy to assess what type of plan might serve you best.

Rachida Silva · Answer

1. Original Medicare (Parts A & B)
Think of this as "The Nationwide Option."
• Freedom: You can see any doctor or visit any hospital in the U.S. that accepts Medicare (about 90% of doctors do). No referrals needed.  
• Costs: You pay a monthly Part B premium ($202.90 in 2026). You usually need to buy a separate Part D plan for drugs and a Medigap policy to cover the 20% "gap" that Medicare doesn't pay.  
• Best for: People who travel, live in two states (snowbirds), or want the best access to specialists without "gatekeepers."  
2. Medicare Advantage (Part C)
Think of this as "The All-in-One Option."
• Structure: Private companies (like UnitedHealthcare or Aetna) manage your care. It bundles Parts A, B, and usually D into one card.  
• Extras: Often includes benefits Original Medicare doesn't, like routine dental, vision, hearing, and gym memberships (SilverSneakers).  
• Costs: Many plans have $0 premiums (though you still pay your Part B premium). It has a built-in Maximum Out-of-Pocket (MOOP) limit, which protects you from unlimited medical bills.  
• Restrictions: You must stay within a network of doctors. You often need prior authorization or referrals for specialist visits.

Douglas Carney · Answer

Original Medicare offers flexibility to see any provider nationwide but lacks drug coverage and an out-of-pocket cap, risking higher costs. Medicare Advantage (Part C) bundles benefits, often includes extras like dental, and caps costs (e.g., $8,850 in 2025), but limits you to networks and may require prior approvals. If you want choice, consider Original Medicare with Medigap; if you’re healthy and prefer lower premiums, Advantage might suit you. Compare plans at Medicare.gov during open enrollment (October 15–December 7, 2024).

Jessica Ellis · Answer

Neither one is always better, it depends on what fits you. Original Medicare lets you see any doctor that takes Medicare nationwide and you can add a supplement plan to help with costs plus a Part D plan for prescriptions. Medicare Advantage Part C usually has lower monthly costs and bundles hospital, medical, and often drug coverage, but you use a network of doctors and hospitals and benefits vary by plan.

If you travel a lot or want the freedom to see almost any doctor Original Medicare with a supplement may suit you. If you want one plan with extras like dental and vision and are okay staying in a network Medicare Advantage may be the better choice.

Daniel Keane · Answer

Keeping Original Medicare is an option, but you are exposed to deductibles, and 20% coinsurance on Part A and Part B. 
Selecting Part C Medicare Advantage Plan lessens the risk of exposure to deductible and coinsurance.

Alondra Arce · Answer

Original Medicare lets you see almost any doctor, but it doesn't cover everything. Medicare Advantage (Part C) usually has extra perks and lower costs, but depending on the plan you have to stick to their network.

Scott Klag · Answer

In order to apply for a PART C Medicare Advantage plan you must have Medicare Parts A and B. Remember that original Medicare is only an 80/20 plan. This means that any medical bill that you   receive, you will pay 20% of the bill. For example, if the bill is $10,000 you will be responsible for $2,000.

Brooke Smith · Answer

Orginal Medicare covers 80% of approved medical costs, and you are responsible for the remaining 20% plus deductibles. An important thing to understand is that Original Medicare has no max-out-of-pocket (MOOP) limit, which means your 20% cost-sharing can really add up if you have a serious illness or a high medical expense. 

A Medicare Advantage plan (Part C ) offers you lower copays and a built in max-out-of-pocket limit to protect you from high medical costs in the event of a serious health issue. Many Medicare Advantage Plans will offer extra benefits such as prescription drug coverage, dental, vision, and hearing as well. 

Original Medicare allows flexibilty with no networks to stay in, but also leaves you vulerable with no max-out-of-pocket limit. Medicare Advantages gives you a max-out-of-pocket limit and often includes extra benefits.

Daniel Keenan · Answer

If you stay with only Medicare, your next thing you have to do is get a Part D drug program. 
Going with a Medicare Advantage, Part C will have a Built in Part D along with many other extra benefits to complimenting and expand benefits under Medicare. Some plans have zero or a small premium for the Medicare Advantage plan.

Althea Sanders · Answer

It depends on you, your budget and your healthcare needs. A full needs analysis should be completed with a local agent/broker. This allows you to see several different carriers and what benefits they offer - even if you are considering a MediGap plan. Carriers have different benefits. I would advise speaking with a good agent/broker vs direct with any one carrier representative. It will allow you to explore all options and make the decision that best fits your needs and budget.

Joseph Lombardo · Answer

Both original Medicare and Part C, Medicare Advantage plans have their benefits and drawbacks and to blanketly say one is better than the other would be hard to say. This is why having a licensed broker, who specializes in both original Medicare and Medicare Advantage plans learn about the seniors own unique situation and help educate them would be important. Once the senior is fully informed, they themselves can make the decision on what would work best for them. I hope this helps.

Al Bernotas · Answer

The best for you is what gives you the greatest peace of mind. With Original Medicare you pay in advance for most of your medical expenses. With Medicare Advantage, you pay as you go. There are many other considerations, but pay me now, versus pay me later is the bottom line.

Julius Baradas · Answer

It depends on you.  With Original Medicare there is more freedom to choose any providers who accepts Medicare without referrals or per-authorization.  But there is a higher cost without a yearly cap on your maximum out of pocket expenses.  With Medicare Advantage (Part C) your MOOP is $9,250 in 2026.  And you have extra perk like dental, vision, hearing, meals and others.

Oscar Molina · Answer

It depends what your needs are and what type of budget you have. It also depends what type of benefits you are seeking and what you are comfortable with. For example., Original Medicare offers the flexibility to go to any doctor or specialist that accpets Original Medicare. No referrals are needed. The downside is that you have to apply for Part D medication coverage separately and you may need a Medigap Supplement to cover what Orignal Medicare does not cover.

Part C has a network it covers and to keep cost down you need to see doctors and specialists in this network. A referral is needed from your PCP. If your plan allows you to go out of network it will cost you more. The advantage it does have additonal benefits like vision, dental and hearing that Original Medicare does not.  It all depends on what you need and what types of features you seek.

Beth Duncan · Answer

Talk with an agent who can explain your options, and look at the out of pocket expenses.  With original Medicare, you would want a Supplement to offset costs not covered by Medicare.  Many people like Medicare Advantage plans, Part C.  You just have to decide which best fits your needs.

William Austin · Answer

It's definitely not a matter of what's better. It's a matter of what your needs are. Original Medicare works great, however, depending on your needs, you may want to look into a Medicare supplement to go with your original Medicare. And those work differently than a Part C, Medicare advantage plan will. Again, it's all about your needs and what fits and works best for you and you healthcare.