When it comes to Medicare, the number of options can be overwhelming. One of the most fundamental choices you’ll face is opting for Original Medicare or a Medicare Advantage plan. At Anthony Mercado Agency in Orwigsburg, Pennsylvania, we’re committed to helping you make solid decisions about your health care.
Whether you are enrolling in Medicare or ready to change your health care coverage, contact us today for personalized guidance when deciding between a Medicare Advantage plan and Original Medicare.
What Is Original Medicare?
Original Medicare is the traditional Medicare program offered directly by the federal government. It includes the following:
- Part A: hospital insurance may help cover inpatient hospital stays, skilled nursing facility care and hospice.
- Part B: medical insurance may help cover outpatient care, doctor visits and some preventive services.
What Is Medicare Advantage?
Medicare Advantage plans, also known as Part C, are offered by private insurance companies approved by Medicare. These plans include the following:
- Part A and Part B—All the benefits of Original Medicare are included.
- Additional benefits—Depending on the Medicare Advantage plan you choose, you may also get coverage for dental, vision, hearing and prescription drug coverage, which are not covered by Original Medicare.
Why Choose Original Medicare?
When you choose Original Medicare coverage, you can see any doctor or specialist who accepts Medicare without needing a referral. There are no network restrictions, meaning you can seek care nationwide. Plus, you can add a Medigap plan to get help covering some of Original Medicare’s out-of-pocket costs.
Why Choose a Medicare Advantage Plan?
Many Medicare Advantage plans include additional benefits like dental, vision and prescription drug coverage. These plans often come with low premiums and out-of-pocket maximums. Some plans also offer other services such as wellness programs and nurse hotlines.
The decision between Original Medicare and Medicare Advantage is highly personal. Each has its own benefits and drawbacks that align differently with individual health care needs and lifestyles.
By weighing the pros and cons and asking the right questions, you can choose a plan that offers the coverage you need at a cost that fits your budget. Medicare annual open enrollment is from Oct. 15 through Dec. 7. During this time, you can make changes to your Medicare coverage. Contact the Anthony Mercado Agency today for more information about your Medicare coverage options.
This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.