One of the biggest decisions at 65 is whether to stay on Original Medicare or switch to Medicare Advantage. Both are Medicare — but they work differently.
Original Medicare covers hospital (Part A) and doctor visits (Part B). It does not include prescription drugs, dental, vision, or hearing. You can add a separate Part D drug plan and a Medigap supplement — but premiums and out-of-pocket costs add up.
Medicare Advantage bundles Parts A and B into one plan, usually includes Part D drug coverage, and often adds dental, vision, hearing, gym access, and transportation. Many plans have $0 monthly premium beyond Part B.
It depends on your doctors, prescriptions, budget, and how much you travel. If your preferred doctors are in-network and the plan covers your medications affordably, Medicare Advantage can offer more benefits for less out-of-pocket cost.
A licensed agent compares every option in your zip code — Original Medicare with supplements vs. Medicare Advantage — at no charge.
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