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If you should be still "on the fence" about a decision between Medicare and Medicare Advantage, perhaps this explanation can help clear the air. Medicare Advantage is also called Part H, and these specific programs are obtainable in all 50 states and offered through Medicare-approved private insurance firms. As well as protecting Medicare Part A and Part B, the further advantageous asset of Medicare Advantage plans is they address prescription drugs; but that's not totally all. The coverage extends to dental, vision, and hearing aids that is usually an essential dependence on seniors. <br><br> They are doing routinely have lower "up front" rates than the standard Medicare applications, but here is the "gotcha;" You must use certain physicians. Also many Advantage programs have no costs whatsoever or, at the very most, just about $25 bucks monthly. On-the other hand they do include co-pays, deductibles, and co-insurance. <br><br> Each Advantage plan has a unique doctor network which is pretty much telling you when your loving doctor isn't in-the Medicare Advantage network, you will not have any insurance. With unique Medicare strategies you're able to select your own personal physicians. <br><br>Therefore choosing between Medicare with a Medigap supplement or a Medicare Advantage program can provide an actual dilemma since there is no right answer and you are the person who must make the final decision. One suggestion would be to examine all the "ratings" in addition to all the plans centered on individual satisfaction, chronic disease, and preventive treatment using the valuable Medicare Plan Finder which may be identified and downloaded at Medicare.gov., see [http://theinsuranceladder.beep.com linked website].