Medicare Advantage vs. Original Medicare: Which is Right for You?

Published January 15, 2026 • 5 min read

Choosing between Medicare Advantage and Original Medicare is one of the most important healthcare decisions you'll make. Both options provide coverage, but they work very differently. This guide will help you understand the key differences so you can make an informed choice.

What is Original Medicare?

Original Medicare is the traditional Medicare program run directly by the federal government. It consists of two parts:

• Part A (Hospital Insurance): Covers inpatient hospital stays, skilled nursing facility care, hospice, and some home health care.
• Part B (Medical Insurance): Covers doctor visits, outpatient care, preventive services, and medical equipment.

What is Medicare Advantage?

Medicare Advantage (Part C) is an alternative to Original Medicare offered by private insurance companies approved by Medicare. These plans must cover everything Original Medicare covers, but often include additional benefits.

Key Differences

1. Network Restrictions: Original Medicare lets you see any doctor that accepts Medicare. Medicare Advantage plans typically have provider networks.
2. Out-of-Pocket Costs: Medicare Advantage plans have maximum out-of-pocket limits. Original Medicare has no cap on what you might pay.
3. Extra Benefits: Medicare Advantage often includes dental, vision, hearing, and fitness benefits. Original Medicare does not.
4. Prescription Drugs: You need a separate Part D plan with Original Medicare. Many Medicare Advantage plans include drug coverage.

Which Should You Choose?

The best choice depends on your personal situation:

• Choose Original Medicare if: You want maximum flexibility in choosing doctors, travel frequently, or have employer/union coverage.
• Choose Medicare Advantage if: You want predictable costs, prefer one plan for everything, or want extra benefits like dental and vision.