Medicare Advantage plans offer several benefits that make them attractive to many beneficiaries. These Part C plans combine Parts A, B, and often D coverage into one plan, typically with lower copayments than Original Medicare. Many include extra benefits not covered by Original Medicare, such as dental, vision, hearing aids, and fitness programs. Monthly premiums can be lower than paying separately for Part B at $202.90, a Part D plan, and a Medigap policy.
However, Medicare Advantage comes with significant limitations. You must use network providers except in emergencies, and many services require prior authorization from the insurance company before treatment. While Original Medicare with Medigap has no out-of-pocket maximum, Medicare Advantage plans can have annual maximums up to $8,850 for in-network care in 2026. If you move, your plan may not be available in your new area.
The most critical consideration is timing. When you first enroll in Medicare at 65, you have guaranteed access to any Medigap plan regardless of health conditions.