All Your Medicare
in One Simple Plan
Medicare Advantage is an alternative way to get your Medicare coverage — through a private insurer approved by Medicare. These plans bundle Part A, Part B, and usually Part D into one card, and often include extras like dental, vision, hearing, and gym memberships.
Key Benefits
Why People Choose Medicare Advantage
$0 Monthly Premium Plans
Many Medicare Advantage plans have $0 or very low monthly premiums — the Part B premium still applies, but the plan itself may cost nothing extra.
Extra Benefits
Most Advantage plans include dental, vision, and hearing coverage that Original Medicare doesn't provide.
Drugs Often Included
Most Medicare Advantage plans bundle prescription drug coverage (Part D), so there's just one plan and one premium to manage.
Fitness Benefits
Many plans include gym memberships, SilverSneakers, or fitness allowances to support an active lifestyle.
Transportation & More
Some plans offer transportation to medical appointments, over-the-counter allowances, and even meal delivery after a hospital stay.
Out-of-Pocket Maximum
Unlike Original Medicare (which has no limit), Advantage plans cap yearly out-of-pocket costs — built-in financial protection.
Side by Side
Medicare Advantage vs. Original Medicare
Feature
Original Medicare
Medicare Advantage
Monthly premium
Part B premium only
$0–$100+ (varies)
Doctor network
Any Medicare doctor, nationwide
Network-based (HMO/PPO)
Drug coverage
Separate Part D needed
Often included
Dental/Vision/Hearing
Not covered
Often included
Out-of-pocket max
No limit
Capped annually
Referrals
No referrals needed
May need referrals (HMO)
What to Consider
Is Medicare Advantage Right for You?
Medicare Advantage is a good fit for many people — especially those who want extra benefits and prefer lower monthly costs. But it's worth understanding the tradeoffs before enrolling.
Great fit if you...
✓ Want $0 or low premiums
✓ Want dental/vision/hearing coverage
✓ Are generally healthy
✓ Prefer a predictable out-of-pocket max
✓ Stay within a regional network
Consider Medigap if you...
→ Travel frequently
→ Have complex medical needs
→ Want complete freedom of providers
→ Prefer no network restrictions
→ See specialists regularly