Original Medicare vs. Medicare Advantage Plan Doctor & Hospital Choice Original Medicare: Any doctor or hospital that takes Medicare in the U.S. Referral usually not necessary to see a specialist Medicare Advantage (Part C) In most cases, only doctors and providers in network and service area. Some plans offer non - emergency coverage out - of - network at a higher cost May need a referral to see a specialist Cost Original Medicare: You usually pay 20% of the Medicare approved amount after you meet your deductible for Part B - covered services. Also known as your coinsurance You will pay a monthly premium for Part B and a separate premium for Part D if you also choose Medicare drug coverage There is no yearly limit on what you pay out of pocket, unless you have supplemental coverage You can purchase Medigap to help pay out - of - pocketcosts not covered by Medicare like your 20% coinsurance Medicare Advantage (Part C): Plans have different out - of - pocket costs for certain services You pay the Part B premium and may also have a premium for the plan. Some have a $0 premium and may help pay all or part of you Part B premium. Most plans include Medicare drug coverage (Part D) Plans have a yearly limit on Part A and Part B covered services as well as different limits for in - network and out - of - network services Medigap is not available to purchase