An all-in-one alternative to Original Medicare — bundling hospital, medical, and often drug coverage into a single plan through a private insurer.
Medicare Advantage — also known as Medicare Part C — is offered by private insurance companies with help from government subsidies. These plans must cover everything Original Medicare covers, and many offer extra benefits like dental, vision, hearing, and prescription drug coverage all in one plan.
Unlike Original Medicare, Advantage plans are typically network-based — meaning you'll use doctors and facilities within the plan's network. They use copays and coinsurance as a form of cost-sharing when you receive services.
Requires you to use in-network providers and get referrals from your primary care doctor to see specialists. Generally the most affordable option.
More flexibility — you can see out-of-network providers at a higher cost. No referrals needed for specialists. A good middle ground.
Designed for people with specific chronic conditions, dual Medicare/Medicaid eligibility, or those living in an institutional setting.
Medicare Advantage works well for people who are generally healthy, prefer lower monthly premiums, and are comfortable with network-based care. It can be an excellent value — especially when extra benefits like dental and vision are bundled in.
However, if you have complex health needs, see specialists frequently, or travel often, a Medicare Supplement paired with Original Medicare may give you greater peace of mind. We'll help you compare both options side by side based on your specific situation.
We'll search plans across 70+ carriers and help you find the best fit for your doctors, prescriptions, and budget.