Medicare Advantage vs. Original Medicare
Frequently asked questions about Medicare Advantage
What is the biggest difference between Medicare and Medicare Advantage?
The biggest difference is how you get your care and coverage. Original Medicare lets you see any doctor or hospital that accepts Medicare, but doesn’t include extra benefits like dental, vision, or hearing. Medicare Advantage plans are offered by private insurance companies and often include extra benefits but may require you to use a network of doctors and hospitals.
Can I switch from Medicare Advantage back to Original Medicare?
Yes, you can change back to Original Medicare during certain times of the year such as the Annual Enrollment Period (Oct. 15 – Dec. 7) or the Medicare Advantage Open Enrollment Period (Jan. 1 – March 31).
Does Medicare Advantage replace Original Medicare?
No. Medicare Advantage does not replace Medicare, but it does change how you receive your Medicare benefits. When you enroll in a Medicare Advantage plan, the plan provides your Part A and Part B benefits instead of Original Medicare.
Which Medicare option covers prescription drugs?
Prescription drugs are covered through Medicare Part D. Original Medicare does not include prescription drug coverage, so you will need to enroll in a separate Part D plan. Most Medicare Advantage plans include Part D coverage in their plans.
