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Original Medicare vs. Medicare Advantage: How Do They Compare?

                                        Original Medicare vs. Medicare Advantage: 
                                                        How Do They Compare?

  Original Medicare

                      VS

  Medicare Advantage

  Federal government

  Who Offers the Coverage

  Private insurance companies

  Original Medicare includes  
  Part A and Part B. 

  Part A: 

  • Inpatient care in hospitals and skilled nursing facilities 
  • Hospice care and some home health care

  Part B: 

  • Doctor visits
  • Outpatient hospital services
  • Durable medical equipment
  • Some preventive health care

  What It Covers

  Medicare Advantage
  combines all of your coverage
  into one plan and often
  includes prescription drug
  coverage. 

  Plans can also offer
  additional benefits Original
  Medicare doesn’t cover, like: 

  • Vision, hearing and dental care
  • Gym memberships
  • Disease management programs
  • 24/7 access to health care professionals

  Part A is free for most                people. 

  The standard monthly
  premium for Medicare Part B
  enrollees will be $144.60 for
  2020, an increase of $9.10
  from $135.50 in 2019. 

  Medicare also charges
  deductibles, copays and
  coinsurance.

  What It Costs

  Each Medicare Advantage
  plan sets its own premium, in
  addition to your Part B
  premium. 

  Plans have predictable
  copays and coinsurance. 

  No. 

  Generally speaking, Part B
  covers about 80 percent of a
  person’s health care costs,
  leaving them to cover the
  remaining 20 percent out of
  pocket. 

  Annual Cap on Out-of-Pocket
  Expenses

  Yes. 

  Medicare Advantage plans
  set an out-of-pocket max to
  help you predict how much
  you may have to pay for
  health care services each
  year. The limit depends on
  the plan but can’t be more
  than $6,700 in 2020.