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medicare Advantage plans cover more than basic Medicare. Medicare does not cover at
100% - which is why there is a Supplemental Plan - and the Advantage plans supposedly
cover both - along with some coverage beyond what Medicare includes.


Medicare Advantage plans also DONT’T cover some things covered by traditional Medicare. Many Advantage plans require you go to a certain network of doctors; if you need a specialist and the nearest one on the plan is 100 miles away, that can be a problem. Also, copays can be different for different services.

Under an Advantage plan, you may be subject to the same utilization reviews that are present under private health insurance. So you can get the “you’re not sick, go home today” message. That can be a real issue if you’re trying to find a nursing home or rehab facility.

So even though you might “get more services” in the form of a gym membership or vision coverage (glasses, etc. Medicare pays for stuff like cataract surgery), unless you’re a healthy senior to whom these plans are targeted, you may find yourself in trouble if you get really, really sick.

Personally, after having been through all this with my mom, Medicare plus a good supplement is the way to go. Plus Part D—Rx coverage. The drug coverage, though, needs to be improved. Every year I end up paying for about 4 months of Eliquis for my mom when we can’t get samples or freebies—about $275 a month.
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