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What’s the difference between Medicare Advantage and Original Medicare?
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There are several differences between Original Medicare and Medicare Advantage. Original Medicare is the federal program that provides Part A (hospital insurance) and Part B (medical insurance). You may be able to visit any doctor who accepts Medicare, but you’re responsible for coinsurance, deductibles, and monthly premiums. There are no out-of-pocket limits with Original Medicare, so if you require medical care, your costs could add up. If you have Original Medicare and want prescription drug coverage, you have to enroll in a stand-alone Part D Prescription Drug Plan (PDP).
Medicare Advantage (MA) plans are an alternative to Original Medicare. MA plans are offered by private insurance companies that contract with Medicare to provide your Part A and Part B benefits.MA plans may also include additional benefits, including prescription drug coverage, vision and dental care, fitness programs, or more – sometimes for little to no additional cost. MA plans have an annual maximum out-of-pocket limit which could protect you from sky-rocketing medical expenses. Costs and benefits can vary among MA plans.
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www.HealthCompare.com contains information about and access to insurance plans for Medicare beneficiaries, individuals soon eligible for Medicare and those advising on behalf of Medicare beneficiaries. Health Compare, is a brand operated by Health Compare Insurance Services Inc., a licensed health insurance agency certified to sell Medicare products. Health Compare, www.HealthCompare.com is a non-government website, and is not endorsed by the Centers for Medicare & Medicaid Services (CMS), the Department of Health and Human Services (DHHS), or any other government agency.
Participating sales agencies represent Medicare Advantage [HMO, PPO, and PFFS] organizations that are contracted with Medicare. Enrollment depends on the plan’s contract renewal.
We do not offer every plan available in your area. Currently we represent 18 organizations which offer 52,101 products in your area. Please contact Medicare.gov, 1–800–MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.
Not all plans offer all of these benefits. Benefits may vary by carrier and location.
Limitations and exclusions may apply.
Enrollment in a plan may be limited to certain times of the year unless you qualify for a Special Enrollment Period or you are in your Medicare Initial Enrollment Period.