Do Medicare Advantage plans cover the same as original Medicare?

Asked by: Gerardo Walker  |  Last update: October 2, 2025
Score: 4.9/5 (36 votes)

If you join a Medicare Advantage Plan you'll still have Medicare, but you'll get most of your Part A and Part B coverage from your Medicare Advantage Plan, not Original Medicare. You'll have the same rights and protections you would have under Original Medicare.

Do Medicare Advantage plans cover everything Original Medicare does?

Medicare Part C (Medicare Advantage) includes:

Everything Original Medicare Part A and Part B cover. Most Medicare Advantage plans also include additional coverage for dental, hearing, vision, prescription drugs, and more.

What is the biggest disadvantage of the Medicare Advantage plan?

Medicare Advantage Plan Pros And Cons

One disadvantage is that some Medicare Advantage plans may offer fewer options when it comes to doctors and hospitals, as they may have smaller plan networks than Original Medicare.

Why do doctors not accept Medicare Advantage?

Many doctors are declining to accept Medicare's payment for services because of the government program's low reimbursement rates, strict rules, and onerous administrative process. Most of the time, Medicare only gives doctors 80% of what commercial health insurance does. I sincerely hope I was of assistance.

Do I have to pay for Medicare if I have a Medicare Advantage plan?

You'll still pay the government-set annual Part B premium and the Part A premium, if required. Sometimes you'll pay an additional premium for the MA plan although about three-quarters of Medicare Advantage enrollees in 2024 are in plans with no additional premiums.

The Difference Between Medicare and Medicare Advantage

31 related questions found

Why are people leaving Medicare Advantage plans?

Key takeaways: People leave Medicare Advantage plans because out-of-pocket costs vary between plans, network restrictions can cause frustration, prior authorization requests can delay care, and it can be difficult to use the additional benefits they provide.

What is the best medicare plan that covers everything for seniors?

Original Medicare with Medigap likely offers the most comprehensive coverage, but it may also be the most costly. A person can consider their income and how much they are able to spend before choosing a Medicare plan. Original Medicare with Medigap also offers a lot of flexibility when choosing a doctor or specialist.

Why are hospitals dropping Medicare Advantage plans?

Health systems have cited delayed reimbursements, cumbersome prior authorization requirements and high rates of patient claim denials for their decisions to drop Medicare Advantage plans.

Can I drop my Medicare Advantage plan and go back to original Medicare?

Medicare Advantage Open Enrollment Period: Between January 1 and March 31 of each year, if you already have a Medicare Advantage Plan (with or without drug coverage) you can: Switch to another Medicare Advantage Plan (with or without drug coverage). Drop your Medicare Advantage Plan and return to Original Medicare.

Why is a Medicare Supplement better than an advantage plan?

Consider Original Medicare with a Medigap plan if you:

Original Medicare with a Medigap plan gives you access to any doctor or hospital that accepts Medicare. Intend to travel. Medicare Advantage plans come with limited service areas; if you travel outside, you may have to pay out of pocket for medical care.

Why do people say not to get a Medicare Advantage plan?

Disadvantages of Medicare Advantage plans can include difficulty switching out of the plans later, restrictions on care access, limited provider networks, and limitations on extra benefits.

Do all hospitals accept Medicare Advantage plans?

While most hospitals do accept Original Medicare, there may be some that do not accept Medicare Advantage Plans. However, if you have a medical emergency while you're enrolled in a Medicare Advantage plan, you can seek care at any ER or hospital in the country.

Is it better to have straight Medicare or a Medicare Advantage plan?

Both plans have formularies. Other benefits: Original Medicare does not cover vision, hearing, or dental services. Medicare Advantage plans may cover additional services, including vision, hearing, and/or dental, but those additional benefits may increase your premium and/or other out-of-pocket costs.

Does everyone have to pay $170 a month for Medicare?

Most people pay no premiums for Part A. For Medicare Part B in 2025, most beneficiaries will pay $185 per month. Certain factors may require you to pay more or less than the standard Medicare Part B premium in 2025.

What is the disadvantage of UnitedHealthcare for seniors?

Cons About UnitedHealthcare Medicare Advantage

You may only have access to certain HMO or PPO plans in your area. And while UnitedHealthCare has competitive pricing, your location may only have access to plans with higher deductibles, more copays, and fewer additional benefits.

What is the penalty for switching from Medicare Advantage to original Medicare?

There is no penalty for switching from Medicare Advantage to Original Medicare. And, if you decide you want to switch again, there's also no penalty to switch from Original Medicare to Medicare Advantage. You can switch between the two types of coverage as many times as you want.

What are the top 5 Medicare Supplement plans?

💬 From our Nerds: What are the top five Medicare supplement plans? "Based on NerdWallet's Medigap rubric, I picked five best Medicare Supplement Insurance companies for 2025: AARP/UnitedHealthcare, Mutual of Omaha, State Farm, Anthem and Blue Cross Blue Shield.

Why are seniors losing Medicare Advantage plans?

Medicare vs Privatized Medicare Advantage

Beneficiaries are tossed aside because they live in an unprofitable market for their insurer or because they are actually using the insurance they signed up for to access services.

What is the disadvantage of having Medicare Advantage?

Many people choose MA plans for their extra benefits and out-of-pocket limits. But MA plans have some potential disadvantages. They have smaller provider networks and often require prior authorization. And with an MA plan, you won't have access to Medigap supplement insurance to cover your out-of-pocket costs.

What is the two midnight rule for Medicare Advantage?

The two-midnight presumption directs medical reviewers to select Original Fee-for-Service Medicare Part A claims for review under a presumption that hospital stays that span two midnights after an inpatient admission are reasonable and necessary Part A payment.

What are the 6 things Medicare doesn't cover?

Some of the items and services Medicare doesn't cover include:
  • Eye exams (for prescription eyeglasses)
  • Long-term care.
  • Cosmetic surgery.
  • Massage therapy.
  • Routine physical exams.
  • Hearing aids and exams for fitting them.

Do doctors have to accept Medicare Advantage plans for seniors?

While it is rare for a doctor to stop accepting a Medicare Advantage plan, it could happen. The most common reason that doctors may discontinue their acceptance of Medicare Advantage is that the private insurance company makes it difficult or time-consuming for the doctor to get paid for their services.

Is there a Medicare plan that pays 100%?

Medicare Advantage Plan (Part C):

Deductibles, coinsurance, and copayments vary based on which plan you join. Plans also have a yearly limit on what you pay out-of-pocket. Once you pay the plan's limit, the plan pays 100% for covered health services for the rest of the year.