What are the "advantages" of a Medicare Advantage plan?
Many people who chose these all-in-one plans like a more packaged approach—and the price. Medicare Advantage plans typically have lower premiums than Original Medicare plus a Part D prescription plan and Medigap policy. Plus Medicare Advantage plans usually cap out-of-pocket spending. In 2019, the cap is set at $6,700 for in-network services. That means you'll pay your co-share costs up to the cap, then your plan will pay 100% after that.
Many add coverage for health care not included with Original Medicare, such as vision, dental, and hearing aids. New this year, some MA plans offer discounts for nutrition services, non-skilled in-home support, and home modifications such as grab bars in the shower or temporary wheel chair ramps that allow seniors to remain at home.