When it comes to Medicare, beneficiaries have two main options to choose from: Original Medicare and Medicare Advantage. Both options have their own advantages and disadvantages, and it’s important to understand the differences to make an informed decision.
Original Medicare consists of Parts A and B, which cover hospital and medical services, respectively. Beneficiaries can see any healthcare provider that accepts Medicare and may choose to purchase a separate Part D prescription drug plan and/or a Medigap policy to supplement their coverage.
Medicare Advantage (also known as Part C) is an alternative to Original Medicare and is offered by private insurance companies. Medicare Advantage plans must provide at least the same level of coverage as Original Medicare (Parts A and B).
Still, many plans offer additional benefits such as prescription drug coverage, dental and vision care, and fitness programs. Medicare Advantage plans often have network restrictions, meaning beneficiaries may be limited to seeing healthcare providers within the plan’s network.
Let’s dive into each plan and what they offer you. Alternatively, you can visit medisupps.com for additional up-to-date information.
Original Medicare Part A: Medicare Part A is a component of the federal health insurance program for Americans aged 65 and older and some younger people with disabilities or end-stage renal disease. Part A covers inpatient hospital care, skilled nursing facility care, hospice care, and home health care.
Here’s a closer look at what Part A covers:
Inpatient hospital care: This includes care received while admitted to a hospital, such as room and board, nursing care, and meals. Part A also covers medically necessary services and supplies,
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