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Call us today 1-888-243-8046 (TTY 771) to get a quote for your Medicare Advantage Plan, Medicare Supplement Plan or Prescription Drug Plan. Monday-Friday, 9 AM-5:30 PM EST.
A non-government entity powered by iHealth Plans, a health insurance agency.

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Medicare Plans

Medicare and Medicare Advantage

Medicare and Medicare Advantage
Medicare Plans

Medicare and Medicare Advantage

22 Jun 2024

iHealth Plans
iHealth Plans

Medicare Insurance

Medicare and Medicare Advantage offer different benefits. Understanding the differences between these options can help you choose the best coverage for your healthcare needs. Medicare, which includes Part A and Part B, covers hospital and medical insurance, respectively. In contrast, Medicare Advantage, or Part C, provides a bundled plan that includes both Part A and Part B benefits, often with additional services like prescription drug coverage, dental, vision, and hearing.

Medicare Advantage plans are offered by private insurance companies and are required to cover everything that Original Medicare covers. However, they also often include extra benefits that can significantly enhance your healthcare. For instance, many plans offer wellness programs, routine dental and vision care, and even transportation services to medical appointments.

The cost structure between Medicare and Medicare Advantage also differs. While Original Medicare generally involves paying premiums for Part B, along with deductibles and coinsurance, Medicare Advantage plans usually have different cost-sharing structures. Some may have lower premiums but higher out-of-pocket costs, while others offer more predictable expenses with an annual out-of-pocket maximum.

Choosing between Medicare and Medicare Advantage depends on your individual health needs and financial situation. If you require additional benefits beyond what Original Medicare offers, a Medicare Advantage plan may be more suitable. However, if you prefer the flexibility of choosing any doctor or hospital that accepts Medicare, Original Medicare could be the better choice.

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