05/03/2026
Medicare Advantage vs. Traditional Medicare — what to know before you pick 🩺
Medicare Advantage plans (Part C) are private plans that often advertise low premiums and extras like dental or gym memberships. Tempting — but here’s what the commercials don’t highlight:
🔸 Smaller networks — you’re limited to their doctors and hospitals
🔸 Prior authorizations can delay tests and procedures
🔸 Referrals may be required to see specialists
🔸 Surprise costs when you actually get sick
🔸 Limited coverage when you travel
🔸 Hard to switch back to Traditional Medicare
later — you can be denied a supplement based on your health
Traditional Medicare + a Medigap plan = more freedom, fewer hoops, and accepted almost everywhere.
Not sure what’s right for you? SHIP counselors give free, unbiased advice — no sales pitch. Find yours at shiphelp.org or call 1-877-839-2675.
Choose wisely — your future self will thank you. 💙l
Get trusted, local Medicare help from SHIP. We connect you with counselors to provide guidance on Medicare enrollment, coverage, and costs.