Original Medicare vs
Medicare Advantage Plans

Characteristic	Original Medicare + Medicare Supplement	Medicare Advantage (Part C)
Relationships to Medicare Parts A & B	Supplements	Replaces
Private Network Required	No	Most Plans
Referrals Required	No	Some Plans
Part D Included	No	Most Plans
Monthly Premiums	Vary, but generally higher	Vary, but generally lower
Annual Out-of-Pocket Costs	Minimal	up to $9,350 (2025)
Guaranteed Renewable for Life	Yes	No
	Learn More	Learn More

Clearing things up…

Deciding whether to stay with Original Medicare with a Supplement or to go with an Advantage Plan is a big decision, and it’s important that you have a clear understanding of the differences between the two so you can make an informed decision.

We help our clients with Medicare Advantage Plans and Medicare Supplements; we educate, and they choose. A very high percentage of our clients chose the Original Medicare with Supplement path because of the flexibility of care (98% of doctors participate in Medicare) and lower out of pocket costs for care (outside of the Part B premium, most clients only pay the Supplement Plan premium + the Part B deductible ($257 for 2025).

Please visit our Medicare Supplement Plan page and our Medicare Advantage Plan page to understand the pros and cons of each.

We would be happy to speak with you to answer any questions you have, just give us a call.