Reply To: Medicare vs Medicare Advantage

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TWL you are correct. If you sign up with a Medicare Advantage plan, you are tied to that plans provider network if you want the lowest co-pays. That network is usually geographically limited to a specific region. My wife and I have traditional medicare with a gap plan because we spend our time between CA and LA. It allows us to use any doctor from both areas who take Medicare patients. Also, keep in mind that most Medicare Advantage plans are now HMO plans. POS plans are being phased out.