When choosing Medicare coverage, you’ll face two main options: Original Medicare or Medicare Advantage. Each has its own strengths and limitations, depending on your healthcare needs, budget, and lifestyle.
- Original Medicare offers nationwide provider access, flexibility to see any doctor that accepts Medicare, and no need for referrals. However, it doesn’t include prescription drug coverage, caps on out-of-pocket costs, or additional benefits like dental or vision.
- Medicare Advantage bundles hospital, medical, and often prescription drug coverage in one plan, typically includes extra perks like dental and vision, and has an annual out-of-pocket limit. But it often requires staying within a network, prior authorizations, and may involve yearly plan changes.
Quick Comparison
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