Medicare vs.
Medicare Advantage

Home » Medicare » Original Medicare vs Medicare Advantage Plans

Medicare Advantage Plans (Part C) are increasingly popular with Medicare beneficiaries, as almost half of the Medicare population is enrolled in a Part C plan according to enrollment trends research by the Kaiser Family Foundation. What do these plans offer that might make them more attractive than Original Medicare or other health insurance options?

Original Medicare vs. Medicare Advantage Plan

Medicare Parts A and B (Original Medicare) offer only hospital and “medically necessary” healthcare coverage, a definition that excludes many health services that may be important to you. Medicare Advantage Plans cover everything included in Original Medicare and may also offer the following benefits:

  • Vision: Annual exams, glasses, contacts, and additional tests
  • Hearing: Exams and assistive devices
  • Dental: Exams, cleanings, fillings, dentures, and more
  • Fitness: Programs like SilverSneakers or RenewActive, with gym memberships, classes, and fitness apps
  • Over-the-counter benefits: Buy supplies from the drugstore with money from your Medicare plan; covered supplies often include bandages, allergy medication, vitamins, supplements, and more.

Could You Get a Medicare Advantage Plan with Extra Benefits?
Get a Free Consultation with a Licensed Agent.

Medicare Made Easy Part Three: Medicare Advantage Plans

Senior woman wearing a headscarf taking a selfie, indoors

Bundled Prescription Drug Coverage

While you’re on Medicare, you can be penalized for not having prescription drug coverage, although Original Medicare does not include that coverage. You can always enroll in a stand-alone Prescription Drug Plan (PDP) offered by a private insurance carrier. One advantage of Medicare Part C, however, is that many Medicare Advantage Plans also include prescription drug coverage. These plans are called Medicare Advantage Prescription Drug Plans (MAPDs).

Each plan will have a formulary explaining which medications are covered and at what costs. They will also explain which pharmacies are included in the plan’s network. You can still get your prescriptions at a different pharmacy, but you may pay more.

Are Your Medication Costs Adding Up?
Ask About Medicare Plans That Include Prescription Drug Coverage.

Low-Cost Premiums

Premiums for Medicare Advantage Plans are at a historic low, with rising numbers of enrollees according to a press release by the Centers for Medicare and Medicaid Services. Many Medicare Advantage Plans are available with $0 premiums and some with $0 deductibles and copayments as well. It may be possible for you to get more benefits at no additional cost with a Medicare Advantage Plan.

You will continue to pay your regular Part B premiums while enrolled in a Medicare Advantage Plan.

Choice & Comparison

Medicare Advantage Plans are offered by many well-known insurance companies, probably the same ones you will recognize from your time on an employer insurance plan. These companies also offer multiple plans with different levels and types of coverage. As a result, Medicare beneficiaries have the luxury of comparing many options and choosing the plan that best fits them.

According to the Kaiser Family Foundation, a typical Medicare beneficiary will have 39 Medicare Advantage Plans to choose from.

Either independently or with the help of a licensed insurance agent, you can compare these plans and find the one that best fits your specific health and financial needs. Each Medicare Advantage Plan is also assigned a quality rating by the Centers for Medicare & Medicaid Services. These 1 to 5 star ratings are based on a number of metrics that measure customer satisfaction.

Cheerful senior man at home in the kitchen speaking on the phone with his doctor or pharmacist

Get Medicare Coverage that Fits Your Needs
Explore Medicare Advantage Plans In Your Area

Speak to a Licensed Agent Today

1-800-991-4407 / TTY 711

Mon-Thu 8am-11pm, Fri 8am-9pm EST


Featured Pages: Understanding Medicare Quotes | Does Medicare Cover Vision and Eye Exams? | AEP vs OEP | Original Medicare v. Medicare Advantage

e-TeleQuote Insurance Inc. (“e-TeleQuote”), an affiliate of Primerica, Inc., does business as easyMedicare® in all states other than California, Florida and New Mexico. e-TeleQuote is a duly licensed insurance agency appointed by Medicare Advantage HMO, PPO and PFFS plans and stand-alone prescription drug plans and insurance companies holding Medicare contracts approved by The Centers for Medicare & Medicaid Services (CMS). e-TeleQuote is not connected with or endorsed by the U.S. Government or the Federal Medicare Program. Enrollment in any plan for coverage is subject to insurance company approval. Enrollment in the plan depends on the plan’s contract renewal with Medicare. By using e-TeleQuote’s easyMedicare website, you understand and agree that in California, Florida and New Mexico, we operate as e-TeleQuote Insurance, Inc. (Your IP address and/or location coordinates may be gathered to verify your location.) Sales agents/producers may be compensated based on your enrollment in a health plan. Medicare Supplement plans are not connected with or endorsed by the U.S. Government or the Federal Medicare program. e-TeleQuote complies with applicable Federal civil rights laws and does not discriminate on the basis of race, color, national origin, age, disability, sex, sexual orientation, gender identity, or religion. easyMedicare.com is a non-government site, powered by e-TeleQuote Insurance, Inc. e-TeleQuote provides a secure way to purchase Medicare insurance from the comfort of your home or workplace. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1–800–MEDICARE to get information on all of your options. To send a complaint to Medicare, call 1-800-MEDICARE (TTY users should call 1- 877-486-2048), 24 hours a day/7 days a week). If your complaint involves a broker or agent, be sure to include the name of the person when filing your grievance.

Last Updated: November 1, 2022 MULTIPLAN_ETQEZMwebsite_0722_M