Original Medicare vs Medicare Advantage
- People who travel widely across the U.S.
- People who want unlimited provider choice
- People willing to pay Medigap premiums for predictable costs
- Any Medicare provider nationwide
- No referrals or prior auth for most services
- Predictable with a Medigap
- No MOOP — 20% coinsurance can add up
- Medigap + Part D adds premiums
- No dental, vision, hearing, or fitness
- People who want a MOOP and simpler cost structure
- People who value extras like dental, vision, hearing
- People who are comfortable with a network
- Yearly out-of-pocket cap (MOOP)
- Usually includes Part D drugs
- Often includes dental, vision, hearing, fitness
- Network restrictions
- Prior authorization on some services
- Benefits and networks can change every year
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Sources & references
📚 Where this information comes from
- Medicare.gov — official U.S. government site for people with Medicare ↗Primary source for benefits, enrollment periods, and plan comparison.
- CMS.gov — Centers for Medicare & Medicaid Services ↗Federal rulemaking, program updates, and official guidance.
- Social Security Administration — Medicare enrollment & premiums ↗Enrollment, premium withholding, and IRMAA determinations.
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