Over half of all Medicare beneficiaries are now enrolled in a Medicare Advantage plan. But is it right for you? For expert guidance, call 1-888-781-6026.
What Is Medicare Advantage?
Medicare Advantage plans are offered by private insurers approved by Medicare. They cover everything Original Medicare covers, plus usually much more: prescription drugs, dental, vision, hearing, fitness benefits, and transportation. Many plans have a $0 additional premium (you still pay Part B at $185/month in 2025).
Medicare Advantage vs. Original Medicare + Medigap
| Feature | Medicare Advantage | Original Medicare + Medigap |
|---|---|---|
| Monthly premium | Often $0 (plus Part B) | $155+/month for Medigap |
| Provider network | Restricted to network | Any Medicare-accepted provider nationwide |
| Out-of-pocket max | Up to $8,850 in-network (2025) | Near zero with Plan G |
| Extra benefits | Dental, vision, hearing, gym | Usually none |
| Referrals needed | Often yes (HMO) | No |
Who Is Medicare Advantage Best For?
- People on a tight budget who need $0 premium options
- Relatively healthy individuals who value extra benefits like dental and vision
- People who stay local within their plan’s service area
Who Should Consider Medigap Instead?
- People with chronic conditions or serious illness needing frequent care
- Those who want freedom to see any doctor in the US without referrals
- Frequent travelers
- Anyone who wants predictable, near-zero out-of-pocket costs
Not sure which is right for you? Call 1-888-781-6026 — honest, unbiased recommendations at no cost.