How Much More Does Medicare Advantage Cost? 
Medicare Advantage plans have low premiums , as low as $ 0 . They do n't cost much until you use them . They are great until you get sick then you pay and pay and pay . Most Advantage plans have networks . Some networks are local while others are regional . Some Advantage plans only include coverage if you are treated by a network provider while others will include out of network coverage but with a higher -LRB- and usually separate -RRB- deductible , higher copay 's and higher out of pocket . Exceptions are made to the out of network penalty for true medical emergencies . Make sure you understand all details of the policy , especially your out of pocket maximum . The out of pocket limit does not include non-network benefits or Rx . It also does not include any non-covered medical treatment . In most areas less than half the doctors accept ANY Medicare Advantage plans . Even if your doctor does accept Advantage patients they may not participate in your particular plan 