Medicare Part C vs Original Medicare in 2023

Medicare Part C vs Original Medicare in 2023
Fresno County, Madera County, Tulare County, Kings County, Mariposa County, Merced County

Medicare Part C, also known as Medicare Advantage, and Original Medicare are both options for individuals who are eligible for Medicare. While they share some similarities, there are also key differences between the two options.

Original Medicare is administered by the government and includes two parts: Part A, which covers hospital stays, and Part B, which covers doctor visits and other medical services. With Original Medicare, individuals can see any healthcare provider who accepts Medicare and there is no network restriction. However, there are some out-of-pocket costs, such as deductibles and copayments, that individuals are responsible for paying.

Medicare Part C, on the other hand, is offered by private insurance companies and is an alternative to Original Medicare. These plans are required to provide at least the same coverage as Original Medicare, but many plans offer additional coverage options beyond what is provided by Original Medicare. For example, many Medicare Advantage plans include coverage for things like vision, hearing, and dental care, which are not typically covered by Original Medicare. Some plans may also offer additional benefits such as gym memberships or transportation to medical appointments.

Another key difference between Medicare Advantage and Original Medicare is that Medicare Advantage plans typically have a network of providers that they contract with, offering a more coordinated care experience. This can be beneficial for individuals who want to see a specific set of providers, but it can also limit individuals’ choices of providers.

Additionally, many Medicare Advantage plans offer prescription drug coverage, which is not included in Original Medicare. This can provide significant savings on medication costs for individuals who need multiple prescriptions.

When it comes to out-of-pocket costs, many Medicare Advantage plans have lower deductibles and copayments for covered services compared to Original Medicare. This can help individuals save money on their healthcare expenses.

In summary, Medicare Advantage and Original Medicare are both options for individuals who are eligible for Medicare, but they have some key differences. Original Medicare is administered by the government and covers hospital stays and doctor visits, while Medicare Advantage plans are offered by private insurance companies and provide an alternative to Original Medicare. Medicare Advantage plans typically offer additional coverage options, but may have a network of providers that individuals must see. Additionally, Medicare Advantage plans typically have lower out-of-pocket costs. It’s important for individuals to review their options and consider their healthcare needs when making a decision about their Medicare coverage.

As you can see, choosing a Medicare Plan can be complex, convoluted and outright confusing. We at YourMedicare by AYA and associates make this process clear, simple, and understandable. For more information, please call 559-343-2333 or Visit our Video Website at Your.Medicare247.org and watch some fun videos. WE look forward to helping you.