Both are good options. Medicare Advantage (Part C) feels a little more like private HMO or PPO insurance that you could have gotten from an employer. Original Medicare plus Supplemental is accepted by more doctors across the country but is a little more confusing. Prices fluctuate more with Advantage but they also tend to cost less in premiums.
Original + Supplemental
If you only get Original then there’s no limit on how much you pay out-of pocket per year. With a Supplemental plan (Medicare D and Medigap) you have pretty extensive coverage.
Medicare covers medical services and supplies in hospitals, doctors’ offices, and other health care settings. Services are either covered under Part A or Part B. Medicare D covers your medications. Medigap covers whatever A & B fail to cover.
You can add a Medigap policy to help pay your out-of-pocket costs in Original Medicare, like your deductible and coinsurance.
You’ll need to join a Medicare Prescription Drug Plan (Medicare D) to get drug coverage.
Plans have a yearly limit on your out of-pocket costs. Once you reach a certain limit, you’ll pay nothing for covered services for the rest of the year. Costs on medications may fluctuate a lot year over year.
Plans must cover all of the services that Original Medicare covers. Plans may offer benefits that Original Medicare doesn’t cover like vision, hearing, or dental. It covers more but also is accepted by less doctors. You need to stay in-network to keep costs down.
It may be more cost effective for you to join a Medicare Advantage Plan because your cost sharing is lower (or included).
Most Medicare Advantage Plans include drug coverage.
Quality of Care
You can get a snapshot of the quality of care health care providers (and facilities) give their patients by visiting Medicare.gov.
Original Medicare generally doesn’t cover care outside the U.S. You may be able to buy supplemental insurance that offers travel coverage.
Original Medicare is accepted by over 95% of providers
Quality of Care
The Medicare Plan Finder at Medicare.gov/find-a-plan features a star rating system for Medicare plans.
Plans usually don’t cover care you get outside of the U.S.
You will be limited to in-network doctors.