What is the primary difference between Medicare Advantage and Original Medicare?

The primary difference between Medicare Advantage and Original Medicare lies in the structure and benefits provided. Medicare Advantage plans, offered by private insurers, typically bundle coverage for Part A (hospital insurance) and Part B (medical insurance) into one plan and often include additional benefits not found in Original Medicare. These added benefits can include vision, dental, hearing services, fitness programs, and wellness benefits, which are designed to enhance overall health and well-being for beneficiaries. This makes Medicare Advantage plans attractive to many enrollees seeking comprehensive coverage beyond what Original Medicare provides.

In contrast, Original Medicare is a government program that primarily covers hospital and medical services without the additional perks that many private plans offer. While it does allow for flexibility in terms of healthcare provider choice (many doctors will accept Medicare), it lacks the additional services that can be critical for some individuals.

Medicare Advantage plans may also have specific network restrictions, which is another distinguishing factor since they can require members to use a specific network of doctors and hospitals. However, it is important to note that the statement about Medicare Advantage being only available to low-income individuals is not accurate; these plans are open to all Medicare beneficiaries regardless of income, as long as they meet eligibility requirements.