Medicare Advantage (Part C) bundles hospital, medical, and often drug coverage into one private plan, frequently with extra benefits like dental or vision.
Tradeoffs to understand
- Often lower premiums, but typically requires using an in-network provider list
- Annual enrollment periods allow switching, but Medigap eligibility can become more restricted if you switch back later
Compare both paths (Original Medicare + Medigap vs. Medicare Advantage) against your specific doctors and expected healthcare needs, not just the premium cost.
This article is general information, not financial or legal advice. Rules, costs, and program details vary and change over time — confirm current specifics with a licensed financial advisor or elder law attorney before making a decision.