Unfortunately, Medicare Advantage plans or MA plans are not universally available.  It all depends on what, if any, Medicare Advantage plans are offered in the area where you are living.  In certain locations, the rates can be very inexpensive.
For people with pre-existing medical conditions, Advantage Plans can really be helpful because all conditions except End Stage Renal Disease are accepted.  If you already have a plan before that condition develops, you may keep your coverage, though.
As compared to the Original Medicare, Medicare Advantage Plans often throw in extra coverage for seeing the dentist or getting eyeglasses or hearing aids. They also usually restrict which providers you may use unless you need a doctor on an emergency basis.
Aside from Medicare Advantage Plans, you can also take a look at Medicare Supplemental Plans, which are wholly different.  While Medicare Advantage Plans operate by different rules, the supplements or Medigap Plans are standardized into 10 benefit packages.  To see more about the benefits that Medigap insurance Plans offer, you can check out our website.  We have detailed information about both Medicare Supplement Plans and Medicare Advantage Plans. We also have personal advisors to help you compare coverage options and make the application process easy and hassle-free.

Wiley Long is founder and president of Medigap Advisors, and is passionate about helping people navigate the confusing waters of Medicare. He is the author of The Medicare Playbook: Designing Your Successful Health Coverage Strategy, a clear and simple explanation so you can make the most of your Medicare coverage.