Go beyond Original Medicare.
Medicare Advantage started in 1995 as a way for the government to give senior citizens more options for their health coverage. Original Medicare covers medical and hospital costs, as well as the cost of hospice care. All Medicare Advantage plans give you the same basic benefits as Original Medicare plans, along with extra coverage and different payment options.
You usually pay a monthly premium for the Medicare Advantage Plan in addition to your Part B premium. Depending on your age, needs, and healthcare plans, this extra premium could save you money in the long run. Medicare Advantage Plans also use copay systems, whereas Original Medicare charges you a percentage of a treatment’s cost for common health services. If you go to the doctor frequently or anticipate costly outpatient procedures, a Medicare Advantage Plan may be right for you.