Choosing the right healthcare plan over age 65 can feel like navigating a labyrinth, but understanding some key differences between Traditional Medicare and Medicare Advantage Plans can help you choose the plan that’s best for you with the most benefits. Here’s some key difference between Traditional Medicare and Advantage Plans:

Nursing Home Coverage: Did you know? Traditional Medicare covers the cost for up to 21 days in a skilled nursing facility post-surgery or hospitalization, which is often more generous than Advantage plans. Also, Traditional Medicare covers an additional 79 days with a co-pay. Advantage plans often don't offer this.

Broader Access to Care: Traditional Medicare lets you see any doctor or specialist that accepts Medicare without a referral or network restrictions. Advantage plans may not, so be sure to check the fine print.

No Prior Authorizations: With Traditional Medicare, prior authorization for treatments is typically not needed which speeds up the ability to receive care.

Simplicity & Consistency: Traditional Medicare is simple and provides straightforward coverage without the need to navigate the complexities of different plan rules, networks, and out-of-pocket costs that come with Advantage plans.

Fewer Out-of-Pocket Surprises: While both options can involve additional costs, Traditional Medicare generally offers clearer terms on co-pays and deductibles, reducing the risk of unexpected expenses.

Traditional Medicare often serves seniors better and saves money in the long run. Be sure to choose the path that aligns well with your healthcare needs, while keeping surprises at bay. Remember, Medicare is a benefit YOU earned through your paid employment taxes over your work lifetime. You deserve the highest level of care available.