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The critical difference, a matter of life and death, between these two plans is as follows.
The original Medicare plan allows the patient to go to any medical specialist and any hospital
the patient wants to whereas Medicare Advantage Plan requires the patient to join a network
just like HMO and does not allow the patient to choose the specialist or a hospital, and
requires the patient to work through his or her primary care doctor.
It's been demonstrated years ago, I believe, that the patient under the latter plan has
much less chance to survive the heart attacks and cancers when compared to the patient
under the original Medicare plan chiefly because of the time delay in seeing cardiologist
and cancer specialist.
When I was in medical practice, I spent countless hours explaining this difference to
the retired seniors who were trying to save money and tempted to join the Medicare
Advantage when in fact they already had serious heart problems and require a maximum
attention by cardiologists.