Are Medicare Advantage plans as bad as people on social media make them seem? Should you just enroll in a Medicare Supplement plan instead?

Some of the "pros" of Medicare Advantage plans include:

- They often provide extra benefits that are not covered by Original Medicare
- Low monthly premiums (often $0/month)
- Prescription drug coverage is typically included in Medicare Advantage coverage
- Maximum out of pocket that Original Medicare does not have
- Ability to change from one Medicare Advantage plan to another Medicare Advantage plan without health questions

Some of the "cons" of Medicare Advantage plans include:

- Prior Authorization
- Potential referrals to see in-network specialists
- Networks of providers
- Potentially higher medical costs compared to Medigap plans
- Yearly contracts with benefits that can and will change every year

*Sources are at the bottom of the show notes*

Giardini Medicare is an independent insurance agency specializing in helping Medicare beneficiaries enroll in the Medigap or Medicare Advantage plan that fits their needs during their transition to Medicare. We are licensed and work virtually in the following states:  AZ, CA, FL,  IL, IN, KY, MI, MD, NC, OH, PA, SC, TX  If we do NOT work in your state, we can refer to agents that we know, like & trust across the country. Fill out the form linked to our map.

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Sources:

Understanding Medicare Advantage Plans PDF

How does Medicare Advantage plans work?

Services covered by Medicare Advantage

KFF Medicare Advantage in 2022 Study

Official CMS Medicare and You Handbook

KFF Study about Medicare Advantage Prior Authorization

Medicare.gov things to know about Medicare Advantage