Reply To: Medicare vs Medicare Advantage

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#150283
TWLTWL
Participant

It seems that geography may play a role in choosing between traditional Medicare and a Medicare Advantage plan. For example, I’ve read that “you may have to choose specific doctors or hospitals” and that these plans have “service areas.” Since I split my time between two different states, and in neither do I live in an urban/suburban area, it seems like I’d have to be very careful about the advantage plan I choose to be sure I have coverage (I do understand that advantage plans must offer nationwide emergency and urgent care). Some are HMO or POS type plans.

Also I travel out of the U.S. approximately every 12-15 months. If I go the traditional Medicare route, I know I must pick a supplemental that covers foreign travel. I assume the advantage plans offer those variables as well.