What is the biggest disadvantage of the Medicare Advantage plan?

The biggest disadvantage of Medicare Advantage is the network restriction. You must use the plan's doctors and hospitals, or you pay much more out of pocket. Go out of network and some plans won't cover the care at all. That matters most if you travel often or want a specialist outside your area. Another catch is prior authorization. Your plan can require approval before it pays for certain procedures, which can delay care. You also face a yearly out-of-pocket maximum, which in 2026 can run up to $9,250 for in-network services. That's real money if you get sick. Advantage plans work well for many people, but the fit depends on your health and doctors. Call me at 855-559-1700 and I'll help you compare.