Both Original Medicare and Medicare Advantage can provide the coverage you need, depending on what it is you are looking for in health coverage. That’s why before making the ultimate decision, you should always be aware of the similarities and differences between Original Medicare and Medicare Advantage and how to choose a plan that works for you.

Coverage

If you choose Original Medicare or Medicare Advantage, you are entitled to the same basic benefits, which can include: inpatient and outpatient coverage, skilled nursing facility care, durable medical equipment, home health care/services, preventative services, and more. However, some Part C plans may also offer additional services not covered under Original Medicare. These can include:

• Prescription drug coverage
• Dental, vision, and hearing coverage
• Fitness/gym memberships
• Wellness programs
• Nutritional programs
• Adult daycare services
• Transportation for doctor visits 

Provider Networks

Original Medicare plans can be used with any healthcare provider that accepts Medicare. However, some Medicare Advantage plans usually require the beneficiary to stay within a specific provider network to receive care. If the beneficiary goes outside the network, they may have to cover most, if not all, of the costs.

Supplemental Coverage

Original Medicare does not have a maximum out-of-pocket limit like many Medicare Advantage plans do. However, Original Medicare beneficiaries usually choose Medicare Supplement plans to help cover their out-of-pocket costs. The Medicare Supplements are labeled as Plans A, B, C, D, F, G, K, L, M, and N, and can provide coverage for:

• Part A coinsurance and hospital costs
• Part A hospice care coinsurance and copay
• Part A deductible
• Part B coinsurance and hospital costs
• Part B excess charges
• Part B deductible
• First three pints of blood for a transfusion
• Skilled nursing facility care coinsurance or copay
• Foreign travel emergency care

Medicare Supplement plans are accepted at any medical facility that accepts Original Medicare. However, Medicare Advantage plan members cannot enroll in a Medicare Supplement plan as the supplements only work with and supplement Original Medicare coverage.

Finding a Medicare plan that fits your coverage and budget needs are very important. That’s why it is crucial to always compare the costs and coverage of every plan you are interested in to determine what would be best for you. So don’t take any chances with your health care; get in touch with a professional. Reach out to Game Changing Benefits now to schedule a consultation.