Medicare Advantage plans offer the ability to receive the same benefits as Original Medicare, but from a private insurer.
However even with the added flexibility that Medicare Advantage plans provide, you may still be responsible for out-of-pocket costs, including copays.
A Medicare copay is the amount of money you're required to pay for a covered Medicare service or good. A copayment is typically a flat fee.
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In 2020, more than 34 percent of Medicare beneficiaries were enrolled in a Medicare Advantage plan.1
Many are likely drawn to the unique benefits of Medicare Advantage, as compared with Original Medicare:
Medicare Advantage out-of-pocket costs can include:
Note: these costs may be higher (or lower), depending on your plan.
As you compare your options, you should weigh the costs of Medicare Advantage against the additional benefits you may receive, as compared to staying with Original Medicare.
Read additional medicare costs guides to learn more about Medicare costs and how they will affect you.
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1 Jacobson, G., et al. (Oct. 24, 2019). Medicare Advantage 2020 Spotlight: First Look. Kaiser Family Foundation. Retrieved from www.kff.org/medicare/issue-brief/medicare-advantage-2020-spotlight-first-look.
2 MedicareAdvantage.com's The Best States for Medicare in 2021 report. (Oct. 27, 2020).
Christian Worstell is a licensed insurance agent and a Senior Staff Writer for MedicareAdvantage.com. He is passionate about helping people navigate the complexities of Medicare and understand their coverage options.
His work has been featured in outlets such as Vox, MSN, and The Washington Post, and he is a frequent contributor to health care and finance blogs.
Christian is a graduate of Shippensburg University with a bachelor’s degree in journalism. He currently lives in Raleigh, NC.
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