What is the biggest disadvantage of Medicare Advantage?

Question

Linda Bolan · Accepted Answer

Medicare Advantage plans do have some great benefits, but some things to keep in mind are:  

Medicare Advantage plans has specific doctors and hospitals in their network, so these plans are network based.

Prior Authorizations are needed for some services, which can cause some delay in necessary care.

It's important to check each year to make sure your doctor is still in the network, as this can change from year to year.

Gary Church · Answer

The disadvantages of Medicare Advantage plans include managing your healthcare. You must stay in-network and get referrals. The plans are not portable, meaning if you move outside your service area, you have to find a new plan.

Answered by Gary Church on June 20, 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, what's the biggest disadvantage of Medicare Advantage? I'll have to say that with Medicare Advantage, you have to stay in a network. But I've said it a hundred times, if you live in a metropolitan area, especially the Phoenix area, the Advantage networks are very, very robust. A lot of doctors in them, most hospital systems, but you still have to stay in the network to get your benefits.

With a Medicare supplement, sometimes they call it a Medicare gap plan, you can go to any doctor anywhere as long as they accept Medicare. So the cost on a supplement is a lot more than an Advantage plan. Advantage plans are typically zero premium, and some have a little bit of a premium each month. But the coverage is really good on the Advantage plans. And if you live in a relatively populated area, many times that's the way to go.

Mike Alexander · Answer

Access to Certain doctors and having to deal with managed care restrictions.
Also Advantage plans change every year and may terminate you plan

Mark Bilgere · Answer

This question has different answers based on who you ask. In my opinion as an experienced agent, I feel the biggest disadvantage at the patient level is the ability for the carriers to deny coverage that a licensed provider has recommended. That isn't to say that there shouldn't be rules and requirements to justify certain procedures but those decisions should be made by other experienced providers trained in the same specialties. The current system uses a less than ideal process with less than ideal decision makers.

However, Advantage plans do provide a lot of benefits that help a lot of people. No one plan is all good or all bad. When you are first entering Medicare, be sure to use a broker that you trust and will take the time to understand your specific circumstances. This way you can get the best information about planning for your future healthcare.

Lt Col Tim Brown · Answer

As an agent / broker of 37 years I like and have one of the Medicare Advantage plans.  The biggest disadvantage as I see it, is that Part B drugs done in the hospital costs you 20%.  Fortunately, there is a max out of pocket you would reach if you were on those type drugs done in the hospital and you'd go to 100% coverage after that.  Of course, I provide people supplements as well and they are not perfect either.  They too have strengths and weaknesses.

Tim Brown 
Contact me.

Larry Dalton · Answer

Your coverage is limited to PPO and HMO networks, and roughly 70% of major health issues will require approval before procedures can be conducted. You're required to have a primary physician who will perform and conduct your healthcare services.

Answered by Larry Dalton on March 26, 2025

Broker Licensed in OK & TX

Answered by Larry Dalton Medicare Insurance Agent

Christopher Boyd · Answer

Two common complaints raised by seniors: 1) the insurance agent (over the phone or in person) did not explain the Maximum Out Of Pocket (MOOP) costs per year and 2) network restrictions or provisions and their implied costs of the Medicare Advantage plan. Will those network restrictions impact my travel across the USA or outside the country?

Another complaint, not as often, but is financially significant, is the senior was unaware that in most cases, after the senior has been enrolled in the MA/MAPD for more than 12 consecutive months, they may not health qualify (Cancer, Stroke, Heart Attack, Dementia, COPD, etc) to go back to a Medicare Supplement and may be limited to MA/MAPD coverage for several years.

George Ibanez · Answer

Networks, limited doctors and pre-approvals seem to be the biggest issues with Medicare Advantage plans.

Voss Speros · Answer

Voss Speros here, Greek god of Medicare, talking about Medicare. So, question: what's the biggest disadvantage of the Advantage Plan? There are advantages and disadvantages to all plans. The Advantage Plans have networks that you have to work with. So with an HMO, you have to stay inside their doctor provider network to see the doctors. You get a referral from your PCP to see a specialist to get the ball rolling for different things. That is a disadvantage. Yes, but they also have PPO plans that kind of counteract that, where you don't need a referral from your PCP to see a specialist. You can go straight to the specialist and get things going.

Some other disadvantages might be if the insurance company is going to authorize a treatment. That one's a tough one because pre-authorization happens more for things that someone doesn't need. They go to the doctor and say, "My knee hurts. I don't need a knee replacement." Well, did you do some rehab on it first? "Well, I could, you know, this is it." There are some situations where you're right; this is what you need. But depending on the plan, if you're on an HMO, you kind of need to go through a certain step of things to make sure that this is what you need first versus a PPO. They'll just say, "Okay, well, we can go down this road and figure out what it is." The specialist will help you out. With straight Medicare, just go get it if that's what you want. Hope that helps. Give us a call. If you have any questions, we're more than happy to help you out.

Pamela Masters · Answer

Because you pay as you go for the most part, you can’t always budget because each month it may cost a different amount than the month before.

Tony Capraro III · Answer

Medicare Agent's Hub, isn't it great there's a forum now and somebody thought of this to have everybody ask their questions and get answers? Medicare Agent's Hub, what is the biggest disadvantage of Medicare Advantage? What I see on a daily basis at my State Farm Agency, I hear on Kelly Street in Manchester, New Hampshire, is that folks do not understand or were not told the maximum out-of-pocket for the Medicare Advantage plan. So each time you go to a doctor, facility, or hospital, there is a copay. In the state of New Hampshire, most of the Medicare Advantage plans have a copay anywhere from out of pocket $4,500 to $10,000 a year, and that's each and every year. However, if you understand that, if your health is decent, Medicare Advantage plans absolutely make sense. Work with someone like myself who offers not only Medicare Advantage but Medicare Supplement. We can talk to you about both. We have no inclination of what you should be doing other than based on your goals, objectives, and cost. So work with someone like myself who will go over both the Medicare Advantage and Medicare Supplement, what's covered, what's not covered, what works, what doesn't work, and then this way you are not guessing at age 65 if you have the best health plan. That is not when you want to be making decisions because at 65, no one that I know—family, friends, clients—does their health get better. Anyway, work with someone like myself; I'd be glad to help you. Great decisions come from great information.

Jonathan Potter · Answer

The biggest disadvantage of Medicare Advantage is carriers have a Network of Doctors, Hospitals and more. Each Carrier could have a different Network. Always Review your Preferred Doctors and Hospitals.

Most Carriers include the Majority of Major Hospitals in the plan network. There are some Carriers that can exclude certain Hospitals and Doctors in Network.

Co-pays also - Review your Summary of Benefits to understand the outline of Co-pays.

Gregg Matheny · Answer

In my opinion, the biggest disadvantage with Medicare advantage Is that your Cost could be anywhere from $0 dollars Up to a plan maximum amount of pocket (In some cases $10,000) throughout the year. Medicare advantage is definitely attractive because of the low monthly premium, but it has potential to be more expensive than a supplement plan. Also, The fact that some procedures require prior authorization from the insurance company can be a real sore spot too.

Answered by Gregg Matheny on March 25, 2025

Agent Licensed in AZ & UT

Answered by Gregg Matheny Medicare Insurance Agent

Nikki Rowland · Answer

The biggest disadvantage of Medicare Advantage is the restricted provider networks. Typically, your MAPD plans come in the form of PPO or HMO.

Answered by Phillip Lovelady on March 25, 2025

Agent Licensed in TX

Answered by Phillip Lovelady Medicare Insurance Agent

Brian Moore · Answer

The debate over Medicare Advantage’s biggest disadvantage sparks varied opinions among clients and advisors alike. In my view, the traditional concern about restrictive networks is overstated and largely a relic of the past, as access has improved significantly. I firmly believe the advantages—cost savings, added benefits—far outpace any downsides, and that edge only grows as these plans continue to advance.

Answered by Brian Moore on March 26, 2025

Broker Licensed in OH

Answered by Brian Moore Medicare Insurance Agent

Melonie Wood · Answer

In my opinion, Medicare Advantage is a great alternative to Orginal Medicare & Part D, as Medicare Advantage is a "Pay as you go" you only pay IF you use your plan. Most plans have a cap with co-pays, Medicare Advantage includes many additional benefits such as OTC/Dental?Vision/Transportation/...

Answered by Melonie Wood on March 30, 2025

Agent Licensed in FL & AL

Answered by Melonie Wood Medicare Insurance Agent

Steven Whetstine · Answer

The biggest disadvantage to a Medicare Advantage plan is the limited network of doctors and hospitals and care access.  If you choose to see a doctor or visit a hospital, out of network expenses can be very expensive and the plan may not cover out of network expenses at all.  Medicare advantage plans may only allow you to use certain durable medical equipment within the plan.

Sometimes, plans may require that you get a referral or prior authorization.  For example, the HMO plans may require that you see the primary care physician who is the gatekeeper to get a referral to see a specialist.

Medicare Advantage plans are typically restricted to the local area.  If you travel, it is important to consider that you may not be able to see a doctor or specialist unless it is an emergency situation.

Medicare Advantage costs can be unpredictable.  You will want to check all of the details of the plan to include copays, coinsurance and deductibles as well as the maximum out of pocket amount for the calendar year.  Medicare beneficiaries who choose a Medicare Advantage plan need to consider utilization which factors into the unpredictability of costs.

James Carlson · Answer

First is the network.  Second is the risk of having to pay the max oop annually due to a serious medical condition.  3rd, the plan is controlled by the insurance plan, not medicare.
Due to network limitations, proper care may not be available.  Many more disadvantages that a supplement plan would cover.

Michael Andrews · Answer

In my opinion, the biggest disadvantage of the Medicare Advantage plans is the ability for doctors and hospital networks to undergo contract negotiations which may leave the client out of network for the rest of the year.

Answered by Michael Andrews on March 26, 2025

Broker Licensed in CT

Answered by Michael Andrews Medicare Insurance Agent

Don Hudson · Answer

The biggest disadvantage would be that your current doctors are not in your network or changed networks. The downside is now you need to change networks, and all your doctors may not be in the same network

Answered by Don Hudson on March 30, 2025

Broker Licensed in FL

Answered by Don Hudson Medicare Insurance Agent

Cody Biggs · Answer

The biggest disadvantage of Medicare Advantage is loss of control. You’re in a managed-care system with networks, just like your pre-Medicare coverage has.

Robert Pennington · Answer

I don’t find any disadvantages as long as a PPO Plan is being used. I don’t use HMO Plans unless it’s a Chronic Illness Plan.

Marsha Reiniers · Answer

Medicare Advantage plans are managed health plans, and they may offer extra benefits not included with Original Medicare. You will want to research your options, both with a PPO plan and an HMO plan, and if you are a Veteran, perhaps look at a plan that addresses your specific health care needs. These types of plans are managed by the carrier, but the plan must meet the contract they have with Medicare to provide you the same benefits you would have with original Medicare. Because they are network driven, you will benefit better from your plan if you utilize in networks doctors and services. And depending on the plan and procedure, you may need a referral to a specialist from your primary care physician and possibly wait for pre-approval for some procedures. Be sure to research the plan(s) you are considering so you understand your out-of-pocket costs, known as the Maximum Out of Pocket or MOOP.

Answered by Marsha Reiniers on July 21, 2025

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

Answered by Marsha Reiniers Medicare Insurance Agent

Daniel Maisel · Answer

That's a good question. Medicare Advantage is a good plan. They have lots of them in my area. We have over 97 in Southern California. And throughout the country, some areas have more, some have less, depending on the amount of population living there and the competitiveness. But there are some issues. When you have a Medicare Advantage plan, it is more of an HMO network plan. Can you get a PPO? Yeah, sometimes, depending on where you live. It depends on the companies. Even in California, there's only a few of them in our area with 97 different plans to choose from. And yet, there's only a few PPOs that are available. PPO doesn't mean you get to go anywhere you want. It just means you have a little more freedom than you have on an HMO. When you have an HMO, you're restricted to that network. The contract with the insurance company is with the medical group, not the doctor. So if the medical group and the doctor are not contracted with certain hospitals, you may not be able to go to the doctor you want. If you live in an area with a large population, it can be restrictive because you have to stay, oftentimes, within your county or within your state. Now, if you're in a rural area, it can even be more difficult because those doctors may choose not to have a Medicare Advantage plan. They may only want to have Medicare or Medicare Supplement or Medigap programs, as they're called. So with all that in mind, that's the pro and con to it. One other thing that's important to think of is if you've had family that has had any health issues, if they had cancer or kidney problems, some of the other issues that came up, where you have to be infused by a doctor, you receive an infusion for your kidneys, or you're getting chemotherapy. That refers to basically the Plan B portion of Medicare, which means the Medicare Advantage plan only pays 80% of it. So if you have a chemo bill of $10,000 a month, that means they would pay $8,000, and you'd pay $2,000. For some people, that's not a big deal, but for others, it is. So those are things you want to review with your agent. Make sure they go over it, because your agent works for you, not the insurance company. And they want to make sure that they have the plan that fits your situation, the right doctors, the right hospitals, and the right Medicare plans, and it provides for the needs that you have. So take the time. They don't charge you for their services. They get paid by the insurance companies. They all get paid the same, so they're not partial to any of the insurance companies. Check with a local agent, get their help, and they will be there for you.

Mark Zaruba · Answer

Usually, the network is the biggest disadvantage.  Even if you are in a PPO plan, those plans have in and out of network costs that are often much higher if you go out of network.

Brian Krantz · Answer

Networks. You're limited to doctors and hospitals in the plan’s network, which can be a problem if you travel or need care out of state. Also, in states with medical underwriting, if your health changes later, you might not be able to switch to a Supplement plan down the line.

Answered by Brian Krantz on March 25, 2025

Agent Licensed in NY, AK, AL & 48 other states

Answered by Brian Krantz Medicare Insurance Agent

Eddie Tune · Answer

flexibility, sometimes networks, depending on location... Most homes require referrals so they limit choice to in network doctors and hospitals.

Bill Green · Answer

The biggest disadvantage of Medicare Advantage for many people is usually network restrictions and prior authorization requirements compared with Original Medicare.

With most Medicare Advantage plans (especially HMOs and PPOs):

You may need to use specific doctors, hospitals, and specialists.

Out-of-network care can be limited or much more expensive.

Some services require prior authorization before the plan approves payment.

That can become a major issue if:

you travel often,

want access to top specialty hospitals nationwide,

develop a serious illness,

or your doctors leave the network.

Answered by Allen McGirl on May 12, 2026

Broker Licensed in CO, AL, AZ & 34 other states

Answered by Allen McGirl Medicare Insurance Agent

Justin Scheiner · Answer

The biggest disadvantage of Medicare Advantage is loss of control. You’re in a managed-care system with networks, just like your pre-Medicare coverage has.

Answered by Cody Biggs on December 14, 2025

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

Answered by Cody Biggs Medicare Insurance Agent

Edward Givens · Answer

Limited Provider Networks
Unlike Original Medicare, many Medicare Advantage plans have restrictive networks. You may not be able to see your preferred doctors or go to certain hospitals unless they’re in-network.

Prior Authorization Requirements
Many Advantage plans require prior approval for services or procedures, which can delay care and add extra administrative hassle.

Unexpected Out-of-Pocket Costs
While premiums may be lower, Medicare Advantage plans often have higher copays and coinsurance for certain services, and the cost can add up—especially if you have chronic conditions.

Sandra Bailey · Answer

The disadvantage is making sure your doctors are in network. All physicians are not & some may start out in network & pull out of network later. There will be co-pays that you’ll need to pay & there is a max out of pocket.

Answered by Sandra Bailey on May 31, 2025

Broker Licensed in TN, AL, AR & 13 other states

Answered by Sandra Bailey Medicare Insurance Agent

Allen McGirl · Answer

The biggest disadvantage of Medicare Advantage for many people is usually network restrictions and prior authorization requirements compared with Original Medicare.

With most Medicare Advantage plans (especially HMOs and PPOs):

You may need to use specific doctors, hospitals, and specialists.
Out-of-network care can be limited or much more expensive.
Some services require prior authorization before the plan approves payment.

That can become a major issue if:

you travel often,
want access to top specialty hospitals nationwide,
develop a serious illness,
or your doctors leave the network.

Samantha Jellison · Answer

Networks, prior authorizations and referrals. 

It’s true that you have more “freedom” with a Medicare Supplement (Medigap) policy, but it will cost you. For some, that additional expense can be cumbersome.
Medicare Advantage can be a very good fit for some people. It just depends on everyone’s unique situation. 

Again, that’s why it’s important to work with a professional, someone who can explain your options in-depth and discuss the pros and cons of each.

Christopher Palazzini · Answer

The denial of claims and needing a prior authorization from the company. Doctors can drop carrier at any time of the year leaving clients stranded and having to cancel all future appointments/surgeries. 

Max out of pockets can be high depending on program especially while out of network.

Robert Reed · Answer

This answer is provided in a video format. Watch the agent's video response here: https://medicareagentshub.com/questions/what-is-the-biggest-disadvantage-of-medicare-advantage#robert-reed

Michael Ryan · Answer

Most are HMO plans that will restrict you to a provider network. The last several years there are PPO plans available in many areas that provide access to care outside of a network.

Elliott Klepner · Answer

The biggest disadvantage of Medicare Advantage plans is that doctors can opt out of the plans' networks.  An independent Medicare agent can help you choose the best plan for your needs.

Bryan Smith · Answer

I’d say that sometimes a doctor has to submit attestations or evidence to justify certain procedures, since insurance companies might decide on coverage if the doctor isn’t actively involved.

Vincent Esposito · Answer

Advantage plans are network driven..  Advantage plans changed or can be discontinued from year to year.

Kim Cotten · Answer

Medicare Advantage plans can have a Limited Choice of Providers, Prior Authorizations, and Hidden Out-of-pocket costs.

Nathan Wright · Answer

The biggest disadvantage I see with Medicare Advantage is the network restriction — you have to use doctors and hospitals within the plan's network, and if you travel or live in multiple states, that can be a real problem. On top of that, many procedures require prior authorization, meaning the insurance company has to approve it before you get care, and that extra step can slow things down when you need treatment the most.

Answered by Nathan Wright on May 23, 2026

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

Answered by Nathan Wright Medicare Insurance Agent

Karen Boudreaux · Answer

If it’s an HMO referrals can be inconvenient. And net work of doctors depending on the area and the plan.

William Lewkowski · Answer

Medicare Advantage may sound good at first but as you age, potentially develop medical conditions, it can sometimes lead to limited options and costly out of pocket expenses.

Shane Bullock · Answer

I have many clients who choose Medicare Advantage plans and it works very well for them. That said, no insurance is perfect. The most common issue I've seen with Medicare Advantage plans is when someone enrolls in a plan that doesn't allow them to see the providers that they want to see because of the network it uses. I usually see this when people enroll themselves in a plan, or when they call an 800 number they saw on TV or through the mail. People need to find a competent agent/broker that takes the time to do a thorough assessment before they recommend a plan. If you do run into issues like this, they should be available to help you find solutions.

Answered by Shane Bullock on March 11, 2025

Broker Licensed in UT, AZ, FL & 9 other states

Answered by Shane Bullock Medicare Insurance Agent

Phillip Lovelady · Answer

The biggest disadvantage of Medicare Advantage is the restricted provider networks. Typically, your MAPD plans come in the form of PPO or HMO.

Shane and Tammy Carpenter · Answer

The biggest disadvantage of Medicare Advantage for many people is usually network restrictions and prior authorization requirements compared with Original Medicare.

With most Medicare Advantage plans (especially HMOs and PPOs):

You may need to use specific doctors, hospitals, and specialists.

Out-of-network care can be limited or much more expensive.

Some services require prior authorization before the plan approves payment.

That can become a major issue if:

you travel often,

want access to top specialty hospitals nationwide,

develop a serious illness,

or your doctors leave the network.

Bob Thompson · Answer

Co payments can be a surprise. A supplement plan you pay the same each month. Medicare Advantage, you may have no medical co pay for a year or two and then hospitalized and have a $400 to $2000 co pay. It’s okay if you have prepared for this situation and unsettling if you have not.

Answered by Bob Thompson on March 25, 2025

Agent Licensed in IA

Answered by Bob Thompson Medicare Insurance Agent

Cris Zimmerman · Answer

Potentially the network. Some Medicare advantage plans have large nationwide networks others may have smaller local networks or specific hospital systems that they work with. They may or may not all offer out of network coverage. Medicare advantage plans you have to understand how to best use your plan.

Answered by Cris Zimmerman on November 6, 2025

Broker Licensed in ND, AR, AZ & 29 other states

Answered by Cris Zimmerman Medicare Insurance Agent

Brendan Scarffe · Answer

The biggest disadvantage of Medicare Advantage is carriers have a Network of Doctors, Hospitals and more. Each Carrier could have a different Network. Always Review your Preferred Doctors and Hospitals.

Most Carriers include the Majority of Major Hospitals in the plan network. There are some Carriers that can exclude certain Hospitals and Doctors in Network.

Co-pays also - Review your Summary of Benefits to understand the outline of Co-pays.

Jose Solis-Flores · Answer

While Medicare Advantage (Part C) plans might seem appealing, it's crucial to understand the potential downsides. 

You'll be restricted to the plan's network of doctors, which can result in substantial costs for out-of-network care and difficulty accessing specialists. Although monthly premiums are often low or nonexistent, you'll face a hefty annual maximum out-of-pocket—potentially between $4,000 and $10,000. 

The biggest disadvantage in our opinion, is you must expect delays.  Specialist referrals and network limitations can hinder timely access to necessary care.

Harold (Rob) Thousand III · Answer

Medicare advantage was designed to work for you, however, it is not the answer for everyone. Many people view it as an obstacle to care. This is neither incorrect nor correct. It entirely depends on you and your agent being educated on network. While a traditional Medicare supplement may be more flexible in some ways, the expense of the premium is increasing year over a year in most areas. 

Many of my customers still use traditional Medicare supplements, incidentally, I do notice that it is the clients that have the financial means to do so.

Leandra D&#039;Ambrosio · Answer

There are more out of pocket costs associated with Advantage plans which are dependent upon your health. The other disadvantage is you may not be able to qualify to get onto a Supplement if you have been on an Advantage plan for more than 12 months.

Answered by Leandra D'Ambrosio on January 5, 2026

Broker Licensed in PA, DE & MD

Answered by Leandra D'Ambrosio Medicare Insurance Agent

Steven Bleicher · Answer

Prior Authorization, also called ‘Step Therapy” is when your Advantage plan company delays accepting a new and fairly expensive Rx, in their hope of finding a cheaper Rx for the same health issue. The delay can be ridiculously long, depriving you of the immediate medication that your doctor knows is your best choice. Moreover, the drug formulary of acceptable drugs can be changed at the drop of a hat during anytime of the year. Some will call that ‘bait and switch”!!

Answered by Steven Bleicher on May 29, 2025

Broker Licensed in AZ

Answered by Steven Bleicher Medicare Insurance Agent

Andrew Zurbuch, MBA · Answer

The Medicare Advantage plans that are on a HMO can be a disadvantage to the Insured if the Insured doesn't know how their specific Medicare Advantage plan works. An Health Maintenance Organization, H.M.O., network is more restrictive than a  P.P.O. which is a Preferred Provider Organization network. Also, a Medicare Advantage plan on a  Health Maintenance Organization network attempt to control costs. This controlling of costs can be a disadvantage to the Medicare Beneficiary. It depends on the claims.

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

The biggest disadvantage is limited provider networks and potential for limited access to care. 

Medicare Advantage plans operate in specific networks. Depending on which plan you are enrolled in, you could have one of the following networks:
1) Health Maintenance Organization (HMO)
2) Preferred Provider Organization (PPO)
3) Private Fee-for-Service (PFFS)

Steve Houchens · Answer

Probably in my opinion the main disadvantage would be having to work within a network, although I don’t see that as a major disadvantage due to most people are generally used to doing so with major medical coverage. There are some possible out of pocket cost but al long as you have been informed on what those are and understand your plan you know what you have to work with.

Answered by Steve Houchens on April 2, 2025

Agent Licensed in KY & TN

Answered by Steve Houchens Medicare Insurance Agent

Timothy Brown · Answer

Two of the biggest disadvantages of a Medicare Advantage plan are that they’re not accepted everywhere and the plans can change annually.

Michael Pyers · Answer

Tied to a Specific network of Physicians and Facilities.  Must get approval from the plan for some procedures. Such as an MRI.

DeeDee Whitlock · Answer

Biggest disadvantage of having a Medicare Advantage Plan is if your health has a declines & you are meeting your out of pocket max every year & plan can limit who you can see to whoever is on their Physicians list. MD Anderson only takes Medicare Advantage plans on a very limited basis. With original Medicare you do not have to fight those battles.

Answered by DeeDee Whitlock on September 2, 2025

Broker Licensed in LA

Answered by DeeDee Whitlock Medicare Insurance Agent

Leslie Helene Sussman · Answer

The biggest disadvantage of Medicare Advantage is carriers have a Network of Doctors, Hospitals and more.   Each Carrier could have a different Network.  Always Review your Preferred Doctors and Hospitals. 

Most Carriers include the Majority of Major Hospitals in the plan network.   There are some Carriers that can exclude certain Hospitals and Doctors in Network.

Co-pays also - Review your Summary of Benefits to understand the outline of Co-pays.

Cleo Martin · Answer

The biggest disadvantages to a Medicare Advantage is the limited network for the doctors and hospitals and the fact that it it managed care. The insurance companies are making decisions about how you will be treated. They can deny a treatment if they don't feel it is necessary.  With the networks, what if your doctor you want to see is not in their network?  Plus you have a large out of pocket for maximum out of pocket (moop). 

Cleo Martin

Nick Sarant · Answer

The networks. You never know what you’re going to get from year to year. No guarantee your Dr or hospital will be in network next year

David Haynes · Answer

One of the biggest disadvantages of a MA plan is that many of them require you to see certain doctors in network and also HMO plans require a referral. There are some restrictions of coverage while traveling in an area where the plan is not offered. Emergency is always covered outside your coverage area. That is about all I can think of. Still a much better deal than original Medicare. Some people choose to use a Medigap plan that allows for for greater flexlibility.

Answered by David Haynes on October 6, 2025

Broker Licensed in TX

Answered by David Haynes Medicare Insurance Agent

Lou Spatafore · Answer

Medicare Advantage plans are good for those who believe that they won't have a lot of medical services and are cost conscious but there could be some risks. If the need for extensive medical treatment occurs down the road the beneficiary may not have the health requirements to choose a Medigap plan that will reduce out of pocket costs. Also, Advantage plans require networks and preauthorization for medical treatment. Choosing a Medigap plan over an Advantage plan lessens the risk in the case of poor health as we age,

Answered by Lou Spatafore on March 2, 2026

Broker Licensed in WV, FL, GA & 10 other states

Answered by Lou Spatafore Medicare Insurance Agent

Sean Davis · Answer

The biggest disadvantage of Medicare Advantage for many people is usually network restrictions and prior authorization requirements compared with Original Medicare.

With most Medicare Advantage plans (especially HMOs and PPOs):

You may need to use specific doctors, hospitals, and specialists.

Out-of-network care can be limited or much more expensive.

Some services require prior authorization before the plan approves payment.

That can become a major issue if:

you travel often,

want access to top specialty hospitals nationwide,

develop a serious illness,

or your doctors leave the network.

Robert Helmkamp II · Answer

While Medicare Advantage Plans offer many additional benefits for no cost that are not covered by Original Medicare, like Dental, Vision, Hearing, OTC Cards, and Part B Premium Reductions, they are limited to a specific network of Doctors and Hospitals. If you use a doctor or have a procedure at facility that is not in the plans network, you will have a higher copay for these services or they may be denied and not covered by the plan. This could potentially lead to higher out-of-pocket costs.

Answered by Robert Helmkamp II on May 12, 2025

Broker Licensed in AZ

Answered by Robert Helmkamp II Medicare Insurance Agent

Julie Joyce · Answer

Skilled nursing, which I can offer help for with an additional Indemnity product! Medicare Advantage plans only give you the first 20 days at a low copay in a skilled nursing facility, you need an additional policy for days 21 and on

Answered by Julie Joyce on March 25, 2025

Agent Licensed in PA, CT, DE & 9 other states

Answered by Julie Joyce Medicare Insurance Agent

Ami Fouts · Answer

In New Hampshire, you're not able to go back to a supplement plan if you originally signed up for an advantage plan without underwriting and can be denied coverage.

Marva Becker · Answer

Medicare Advantage plans are limited to certain doctors and facilities of where care can be established. Plans can also change each year.

George Kolitsas · Answer

Medicare Advantage plans are network driven There are PPO's and HMO's, most of the time I am recommending a PPO plan to give you a little more freedom and flexibility. Also, prior authorizations and referrals can be common.

Answered by George Kolitsas on March 25, 2025

Broker Licensed in CT

Answered by George Kolitsas Medicare Insurance Agent

Lori McDermott · Answer

The biggest disadvantage to having a Medicare Advantage are the required prior authorizations and must use a network.

Helena Foutz · Answer

If you have a Medicare Advantage HMO, you are limited to the doctors in the medical group you choose, and you are limited in which medical groups work with which HMO. For Medicare Advantage PPO plans, the biggest disadvantage is the copays and higher out of network costs and Maximum out of Pocket.

Answered by Helena Foutz on March 4, 2025

Broker Licensed in CA, AK, AR & 13 other states

Answered by Helena Foutz Medicare Insurance Agent

Ryan Raphael · Answer

Having to deal with prior authorizations. Although people are typically used to that anyway. There is often misconceptions about the network size but usually many doctors take several of the Advantage plans.

Answered by Ryan Raphael on March 5, 2025

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

Answered by Ryan Raphael Medicare Insurance Agent

Kilolo Thomas · Answer

Medicare Advantage plans in general, require you to stay within their network of doctors for lower copays/coinsurance. Some Medicare recipients prefer more flexibility in choosing their doctors opt for Medicare Supplemental plans in which they pay a monthly premium.

Answered by Kilolo Thomas on May 19, 2025

Agent Licensed in NJ, MS, NY, PA, SC & TX

Answered by Kilolo Thomas Medicare Insurance Agent

Kathy Greco · Answer

Having a network is one of the biggest disadvantages of a Medicare Advantage Plan as it confines you to who you can see and not see if you want to insurance to cover the expense. PPOs offer a little more flexibility than HMOs although the physician still has to agree to take you out of network. Some physicians do not take you out of network. Thats why it's important to ensure your physicians are in your network or will take you out of network when looking for a plan.

Answered by Kathy Greco on May 18, 2026

Agent Licensed in FL

Answered by Kathy Greco Medicare Insurance Agent

Katherine Sanneman · Answer

You hear that Medicare Advantage plans are managed care as a negative, but every health plan you have ever had is managed care. I interpret that as the insurance having a say in your care. However, keep in mind that MA plans cover everything that original Medicare covers. There are networks of doctors, but in larger cities that isn't an issue. As an agent, I always look up all physicians for customers so they know who is and who is not in network.

Answered by Katherine Sanneman on October 2, 2025

Broker Licensed in KS, MO & OK

Answered by Katherine Sanneman Medicare Insurance Agent

Fred Manas · Answer

Key Takeaways:

- Medicare Advantage offers extra benefits, but out-of-network care may be limited or costly.

- Other disadvantages include difficulty switching out of the plans later, restrictions on care access, and limitations on extra benefits.

- Geographical restrictions also mean you cannot access care if you travel out of state unless you have an emergency or need dialysis.

- Medicare Advantage plans can change benefits annually or drop providers mid-year.

- MA plans could be a fit for people on a tight budget or who would qualify for a special needs plan.

Vachik Chakhbazian · Answer

is the potential limitation of healthcare providers and the need for prior authorization. Unlike Original Medicare, MA plans typically have restricted networks of doctors and hospitals, meaning you might not have access to your preferred providers.

Gary Henderson · Answer

Too many to cover here. Read this article.  I Do Not recommend Medicare Advantage Plans.

The medicare advantage Trap: https://prospect.org/health/2023-11-29-medicare-advantage-trap/

Suzanne Lamperti · Answer

The disadvantages of a Neducare Advantage Plan are;
1. Most Don include prescription drug coverage
2. Dentist Don accept their dental coverage
3. If you travel out of network, they'll either be slow to pay or refuse to pay. 
4. Very restrictive on who you can see.

Jack Mayer · Answer

In most cases these are In Network based plans that typically requires a referral by their primary care physician and you are covered only in your area except for urgent care and ER. Also, the plans can change each year.

Jennifer Kalbach · Answer

Medicare Advantage is a pay as you go plan.  They are either HMO or PPO's which operate with a network of doctors.  Medicare advantage often requires pre authorizations to see specialist or to get procedures done.  Medicare Supplements are more comprehensive and your health care is between you and your doctor not your doctor and an insurance company.

Andrew Kelly · Answer

With Medicare Advantage you are required to use an "in-network" provider or risk paying a higher rate. There are many "unknown" costs with Medicare Advantage that you just can't predict, like co-pays, deductibles, etc. Medicare Advantage also has a M.O.O.P. or Maximum Out of Pocket, annually. This can be significant, depending on your health needs.

For all of the above noted reasons, many people prefer to go with Original Medicare and a Medigap Supplement. You have maximum flexibility with providers and have an absolute, predictable and budget amount for medical expenses/insurance.

Carol Conner · Answer

Medicare advantage you will actually have maximum out-of-pocket cost which can be in the thousands and if you have a HMO you have to have a referral and if you go to PPO, you will have to pay a little higher price. If you’re relatively healthy then you can keep your cost down to a minimum. You can also get a hospital indemnity that will cover out-of-pocket costs for hospital stays or cancer stroke heart that will pay you money when you need those services.

Karen Ansell · Answer

I believe the biggest disadvantage is the approvals for procedures that are not required from original Medicare. Such as joint replacements: Your MRI and other testing will require approval and they normally require so many days of therapy before they will approve the procedure.

Joseph Peck · Answer

Networks, doctors can refuse at any time. Advantage plans can decline help. In an hmo the doctor decides where you go.

Michael Kim · Answer

That there are networks of doctors you will have to deal with. Meaning you have a network of doctors and specialist to choose from. So sometimes clients want a particular doctor or specialist and they might not be in the network.

In that case they can also choose a PPO plan but they will pay a higher cost for the copays for the doctors not being in the network.

So the other options is to go with a Supplement Plans, but not all qualify.

Rich Baker · Answer

My short answer would be the limitations around the doctor networks. More providers are going to HMOs, which can limit the doctors you see. Even with a PPO, and out-of-network doctor doesn’t HAVE to see you. And a provider network may chose not to accept any plans from a specific insurer. Having said that, I am usually able to find a plan that works for my client’s needs, which is why I work with almost every insurance provider in my area.

Also depending on the plan, the Maximum Out Of Pocket (MOOP) can be pretty high. This generally only matters if you have really bad medical year and end up in the hospital several times (and have to pay those per-day copays each time) or have something like Chemotherapy which incurs a 20% coinsurance. 

However, there are hospital indemnity plans available that can pay you back for those hospital copays, and cancer riders that can help cover the MOOP. 

So, there are additional products that can help you creatively reduce some of those risks. 

I’ll answer a question you DIDN’T ask - and list some of the advantages of a Medicare Advantage plan:
- USUALLY (not always) have no premium. If you’re healthy, you can save a lot of money vs. a Medigap plan. For some people this is very important.
- USUALLY include some level of dental, vision, and hearing coverage. Medigap does not.
- USUALLY include your part D coverage. Medigap does not, though some providers offer discount programs.
- SOMETIMES include things like non-emergency transportation, over-the-counter stipends, or healthy benefits cards (if you qualify, these cards can be used to purchase food). Medigap does not.
- USUALLY include a program that gives a health club membership or workout at home option. Some medigap plans also offer this benefit.

There are plusses and minuses with both pathways for your supplemental medicare coverage (Medigap vs Medicare Advantage). A good agent will talk through your needs and help you select a plan that most closely matches those needs.

Linda Davies · Answer

There's no one-size-fits-all answer to any plan option.   The optimal choice depends on individual circumstances, including your health status, budget, and preferences for flexibility in choosing doctors and hospitals. 

Let’s explore plan options suitable for your individual needs. Contact me with a good time to talk.  And thanks for asking.

Robert Remin · Answer

The Maximum out of pocket in a bad heatlh year and if you are not in one of the four guaranteed issued states you are subject to underwriting when changing plans to  Medigap and might not qualify once your guaranteed issued status is no longer available.

Michelle Ryan · Answer

The biggest disadvantage is that those plans can and often do change annually. They can also go away leaving one looking for an entirely different plan and sometimes a different carrier.

John L Herman Jr · Answer

Here are a few of the disadvantages of Medicare Advantage Plans…not all Doctor’s accept the Plan the client wants…Plans are often available in one area, but not just a few miles away…the biggest by far though is that at times the Insurance Carriers decides the limits on care and not the Doctor or the Client.

Fortunately, the upside is that good health care is being provided through Medicare Advantage Plans and clients need this option very much.

Ingrid Kollmann · Answer

If having to work with in-network doctors and hospitals is an issue fir you then a Medicare Advantage Plan may not to your liking.

Nora Alishahi · Answer

Always look into your own needs to see if Medicare Advantage is the right fit for you, If the Advantage plan is not working for you, the main disadvantage will be to wait to open enrollment to go back to the original Medicare

Chauncey Bragg · Answer

The biggest disadvantage of Medicare Advantage plans is the limited provider network and potential out-of-pocket costs.

Aisha Saleem · Answer

The biggest disadvantage of Medicare Advantage is the limited network of providers. You can check to make sure your preferred providers are in network while choosing a plan.

Thermon Holliday · Answer

This answer must be responded to with another question; is there any disadvantage?  For as long as I have used our healthcare system, it has been "clunky" at best.  To say it's broken is an overstatement but to say it runs smoothly would be a lie.  It offers, at best solutions to our aligments while potentially costing us everything we have to gain access or full provider services.  To make a clear point Medicare Advantage can be disappointing to the extent of our expectations. Medicare Advantage was not designed to solve ALL healthcare concerns.  It has been advertised and promoted to do so.  But when have we ever believed advertising?

Dennis Sullivan · Answer

The biggest disadvantage of Medicare Advantage for many people is usually network restrictions and prior authorization requirements compared with Original Medicare.

With most Medicare Advantage plans (especially HMOs and PPOs):

You may need to use specific doctors, hospitals, and specialists.

Out-of-network care can be limited or much more expensive.

Some services require prior authorization before the plan approves payment.

That can become a major issue if:

you travel often,

want access to top specialty hospitals nationwide,

develop a serious illness,

or your doctors leave the network.

But say you were to go on vacation. I know a company that has an option called the Passport option. You tell them where you're going, and they will assign a doctor there for two or three weeks. Say you're going on vacation from one state to another. So that is an option. I would say the one disadvantage would be the networks and the different co-pays that come along with moving in and out of network. But it's all plan dependent. Other than that, Advantage plans have come a long way. Ninety percent of them are zero premium. They have benefits included that basic Medicare does not, like vision, dental, and hearing. Most of them have a Part B buyback that eats into the One 75 Year Plan every month. Grocery benefits? There's really not. I'll put it to you this way: disadvantages far outweigh the disadvantages. But if there is one disadvantage, it would be the network coverage and the referrals that are included. Thank you.

Frankie Cochran · Answer

there are many disadvantages to medicare advantage plans. network availability for doctors and hospitals, requiring approval for procedures or surgeries and high copayments, coinsurances and max out of pockets are just a few. A good medicare supplement will minimize your monthly premium, not have  network restrictions, nor require approval from an insurance company for procedures, surgeries or other health care. you will also not have to worry about any high max out of pocket costs. you're financial responsibility is the monthly premium less any deductibles if they apply or possible copayments if the plan has any.

Sonya Chandler · Answer

The biggest disadvantage is you have to follow the rules of the plan. Sometimes you have to get prior authorization for certain procedures. You also may have to use providers who participate with the plan.

Danielle Jimison · Answer

The biggest disadvantage of Medicare Advantage for many people is usually network restrictions and prior authorization requirements compared with Original Medicare.

With most Medicare Advantage plans (especially HMOs and PPOs):

You may need to use specific doctors, hospitals, and specialists.

Out-of-network care can be limited or much more expensive.

Some services require prior authorization before the plan approves payment.

That can become a major issue if:

you travel often,

want access to top specialty hospitals nationwide,

develop a serious illness,

or your doctors leave the network.

Heather Currier · Answer

I would have to say it os an advantage over Medicare Part A and Part B alone if you have the right plan. The disadvantage I could forsee would be depending on plan and carrier you use, some have restricted provider networks.

Tyler Coleman · Answer

Some individuals may view having to use network doctors as a disadvantage. In this case some choose to get a Medicare Advantage plan that's a PPO which would allow you to use in and out of network doctors, but you will pay higher coinsurance. If an individual wants to avoid Medicare Advantage all together then a Medicare Supplement policy could be an option.

Jessica Ellis · Answer

The biggest disadvantage of Medicare Advantage is carriers have a Network of Doctors, Hospitals and more. Each Carrier could have a different Network. Always Review your Preferred Doctors and Hospitals.

Most Carriers include the Majority of Major Hospitals in the plan network. There are some Carriers that can exclude certain Hospitals and Doctors in Network.

Co-pays also - Review your Summary of Benefits to understand the outline of Co-pays.

Mila Grayevsky · Answer

The biggest disadvantage is that Medicare Advantage can limit which doctors and hospitals you can use and make it harder to get certain care approved. It often means more prior authorizations, denials, and network hassles than Original Medicare.

Anniessa Anderson · Answer

The biggest drawback I see is when someone doesn’t realize their plan has network limits or prior authorizations until they really need care. That’s why I always tell my clients — the right plan depends on your doctors, your medications, and your lifestyle.

Glenn Virga · Answer

Tough question because I feel they have many disadvantages.
1. Being concerned about staying in the network. Not all doctors and hospital systems can be in the network with the different companies. Then you can have a hospital system or doctor leave the plan. Keeping Medicare as your primary you never have to worry about that.
2. That you have to pay 20%-part B medicine till you reach your max out of pocket. What is part B medicine? Chemo falls in this category also any injection you may need. I met with a customer that had 1 chemo treatment her copay was 5k her max out of pocket for her plan is $9700. Once she meets that then she doesn't have to pay. I have met people that reach the max out of pocket by the end of the year and still need more treatment, and they find out that Jan 1st the Max out of pocket restarted.

Lance Stanley · Answer

Medicare advantage plans do not offer the same level of choice. Most plans require their customers to see their drs and providers. Since MA plans can't cherry pick their their enrollees because they have to accept anyone that has Medicare and it sometimes can discourage some enrollees from using it because of the copays and deductables where as with a supplement they have very little out of pocket cost.

Tammy Monjaras · Answer

The biggest disadvantage to Medicare Advantage plans is that you have to keep your care in a network.,even with the flexibility of a PPO the cost are normally lower if you step outside of network.

Irma Lopez · Answer

I would say it would be that the plans are only written for 1 year.  Beneficiaries need to be always on top of annual updates.

Lesley Burns · Answer

The biggest disadvantage of Medicare Advantage are the limitation of provider choices which could affect access to care.

Ricardo Sanches · Answer

The biggest disadvantages to Medicare Advantage plans are limits in seeing providers withing a network, referrals, and prior authorizations.

Steven Rukhman · Answer

For many people, the biggest perceived disadvantages of Medicare Advantage (HMO) would be the limitations of where the plan can be used, needing to obtain referrals and authorizations, and not always being able to choose their own medical and hospital providers.

For Medicare Advantage (PPO), some people may perceive the co-pays for medical and hospital services as a disadvantage.

Judith Carney · Answer

Many of today's Medicare Advantage plans are moving into HMO (Health Maintenance Organizations) in an effort to control costs while providing care to our seniors. The biggest disadvantage of Medicare Advantage is often the restricted provider networks, which can limit access to healthcare providers and may result in higher costs for out-of-network care. Additionally, these plans frequently require prior authorization for services by a primary care physician, leading to potential delays in receiving necessary care.

Christie Bondos · Answer

In my opinion, if you choose a plan with a limited network of providers and pharmacies or it doesn't cover all your drugs it's a disadvantage. Never, ever choose a plan "just based on Ancillary benefits like Dental, Vision, Hearing, or a certain Gym Membership benefit. Some people get caught up in a Food Allowance for example and forget this is a Medical Plan. Know what your medical and prescription needs are first.. A PPO network is always advantageous as well.

Maci Mishler · Answer

Medicare Advantage can have huge disadvantages when it comes to networks. I don't care how attractive the extra benefits may be, because at the the of the day this is health insurance and that is our main focus--making sure you're covered when you need it!

Ken Brzezinski · Answer

The biggest disadvantage of Medicare Advantage is the restricted provider networks. Typically, your MAPD plans come in the form of PPO or HMO.

Answered by Phillip Lovelady on March 25, 2025

Agent Licensed in TX

Aubrey Prince · Answer

The biggest disadvantage of Medicare advantage is that some carriers take longer than others to approve procedures, etc. This can be very painstaking, especially if the beneficiary has a chronic illness.

Soledad Ramirez · Answer

You have to stay in your network and if it's an HMO you have to obtain referrals to see your specialist doctors.

Justin Hundley · Answer

The biggest disadvantage of Medicare advantage is probably the limited network of healthcare providers. Unlike Original Medicare or a Medicare supplement, which typically allows you to see any doctor who accepts Medicare, Medicare advantage plans usually require you to stay within a specific doctor and hospital network, much like a standard health plan that you may have had in the past. Due to this, you may be required to follow certain procedures such as getting referrals before seeing certain doctors. 

The trade off is that Medicare advantages plans often provide predictable cost sharing and many other benefits that may fit your healthcare needs.

Edward Cavelli · Answer

Cost shares, pay as you go can sometimes become an ongoing pain. 
Advantage is good while you are healthy and not utilizing may services.

Toni Johnson · Answer

The biggest disadvantage of Medicare Advantage is loss of control. You’re in a managed-care system with networks, just like your pre-Medicare coverage has.

Answered by Cody Biggs on December 14, 2025

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

Maxine Rosen · Answer

A possible disadvantage of a Medicare Advantage Plan is not understanding how it works. If a person travels around the country extensively, and lives in a beautiful mountain range about 30 miles from any hospital and there are very few doctors that accept an "Advantage Plan" - it is not an "advantage".  

So a person just needs to be clear about the pros and cons of this type of coverage and how it works.  The 'rewards' as well as the 'restrictions'.

Hunter Klaassen · Answer

Typically, Medicare advantage plans have networks you have to stay within. Medicare advantages typically have a higher out-of-pocket maximum. Many Medicare advantage plans require prior authorization for services. Medicare advantage plans may not travel as well as other coverages (snowbirds).

Marie Smith · Answer

The biggest disadvantage of Medicare Advantage is that you can only use the doctors in the plan's network.

Tracy Brown · Answer

At MedWise Trust, we are not promoters of the Advantage plans.  They do work for about 30% of our clients.  The biggest disadvantage of Advantage plans is the limited provider network and the potential for higher out-of-pocket costs.  We advise that only our healthy clients choose this option.  For people who need a lot of care or have costly healthcare needs we explain the benefits of Medigap plans.  60% of our clients choose Medicare supplements.

Why? 
1. Limited Network of Doctors & Hospitals
Unlike Original Medicare, seeing any doctor or specialist that accepts Medicare nationwide, Medicare Advantage plans (HMOs and PPOs) want you to use a network of approved providers. Some hospital networks do not accept them at all; Scripps Hospital in San Diego and the Mayo Clinic are just two examples of networks that do not accept Advantage plans.
If you can go out-of-network, you pay more. Some services may not be covered at all. (HMOs).

2. Potential for Higher Out-of-Pocket Costs
While MA plans often have lower monthly premiums, they can come with higher copays or coinsurance for certain services, especially: Out-of-pocket maximums. Hospital stays, specialist visits, and durable medical equipment all cost more and have limits

3. If you have chronic conditions or need a lot of care, these costs can add up quickly, possibly making the plan more expensive than Original Medicare + a Medigap plan.

4. Prior Authorization Requirements
Many MA plans require prior authorization for services like MRIs, rehab, home health care, and even some medications.  This can delay care and cause stress if approvals are slow or denied.

Julio Palencia · Answer

1) Can no be used outside the country
2) They cut dental benefits increasing copays when the plans have money give back

Laverne Ward · Answer

The biggest disadvantage is that you must use the plan’s network of doctors, hospitals, and pharmacies — and you could face limited access or higher costs if you go outside that network.

Chris Bumgardner · Answer

You are limited to certain doctors and hospital's (HMO and PPO networks), and you may need referrals to see specialists, if you go out of network, it can cost more, or may not be covered at all.

Jessica Kleinsasser · Answer

Medicare Advantage has higher copays and a maximum out of pocket.  The premiums are lower and fluctuate slightly year to year, but do not increase yearly due to age.  Both Advantage and Supplements require you to have Medicare Part B to enroll. Advantage does have in and out of network providers, not all cover out of network.

Leonel Quintana · Answer

The biggest disadvantage of an advantage plan is that you are usually restricted within the provider network when compared to original Medicare. Many of the advantage plans require you stay within a network of doctors and hospitals or to get a referral to see a specialist.

Joan E Kealy · Answer

In my experience, the annual changes each year can be a disadvantage to Medicare Advantage. There are changes every year in out of pocket expenses, network, coverage, and formularies, to name a few.

Jill Fasbender · Answer

The biggest disadvantage of Medicare Advantage is the restricted provider networks. Typically, your MAPD plans come in the form of PPO or HMO.

Answered by Phillip Lovelady on March 25, 2025

Agent Licensed in TX

Tori Hughes · Answer

Medicares Advantage plans offer great coverage, low or no premium, and are guaranteed issue. I highly recommend these plans to my clients on a budget.