Why Do I Need A Medicare Advantage Plan? 
Medicare Advantage plans combine Hospital , Physician and prescription Drug coverage . Pretty much everything you need in health insurance . The alternatives in order to get everything covered is to buy Medicare part B and Medicare part D , then some kind of medi gap plan that will cover your deductibles and co-pays . Of course with Medicare Advantage you may want to get a gap plan as well , but generally Advantage is less costly than buying Parts B and D. 