Is Medicare Advantage Right For Me? 
The short answer is that it depends on what you are looking for . Most Medicare Advantage plans have either $ 0 premium or very little premium per month . Everyone likes free or is it really free ? One of the biggest things to look for in a Medicare Advantage plan is the `` max out of pocket cost '' which can be as high as $ 6,700 per year . There is also a network so you would need to make sure you see doctors within that network . The benefits on the plan can change from year to year as well as the network itself . The best thing to do is to compare a Medicare Advantage plan and a Medicare Supplement plan -LRB- Medigap plan -RRB- to determine what is best for you . A Medicare Supplement plan will have a monthly premium , however , the `` max out of pocket costs '' can be zero or close to it . There is also no network and the benefits ca n't change with a Medicare Supplement plan . A lot of people who have a Medicare Supplement plan like the idea of being able to budget monthly for the expense and not have to worry about a big medical bill coming unexpectedly . Contact an independent agent that specializes in Medicare plans and they will be able to review all your options with you . 