What to know
- Both paths provide Part A and Part B benefits.
- Provider access, drug coverage and out-of-pocket structure can differ.
- The right questions are more useful than a universal winner.
Original Medicare
Original Medicare is administered by the federal government and lets you use providers nationwide who accept Medicare. It does not include an annual out-of-pocket maximum for Part A and Part B services, so some people add Medigap and separate Part D coverage.
Medicare Advantage
Medicare Advantage plans are offered by Medicare-approved private companies. They bundle Part A and Part B and usually Part D. Networks, service areas, prior authorization, cost sharing and extra benefits vary by plan.
Compare around real life
Check the full annual cost structure—not only the monthly premium. Review doctors, hospitals, prescriptions, pharmacies, travel patterns and tolerance for network rules.