09/06/2026
We believe Medicare Advantage has its disadvantages:
If freedom of choice and direct control over your healthcare are your priorities, staying on Original Medicare (Parts A & 😎 bypasses private insurance administration entirely:
No Networks: You can see any doctor, specialist, or hospital in the country that accepts Medicare—no referrals required.
No Prior Authorizations: Care decisions are between you and your doctor, as long as the service is medically necessary and covered by Medicare guidelines.
Predictable Access: You don't risk losing your preferred doctor mid-year due to contract disputes between insurers and health systems.
To protect yourself against the 20% co-insurance and deductibles that Original Medicare leaves behind, most people who prefer this path pair Original Medicare with a Medicare Supplement (Medigap) policy. Medigap plans are strictly standardized by the federal government—meaning an insurance company cannot change the benefit structure, limit your provider choices, or step between you and a Medicare-covered service.
