Advantage Plans are cheaper and offer a lot of bells and whistles like free gym memberships, etc, They offer savings/discounts for you to take care of yourself and stay well but, if you really get sick or injured, Advantage plans are quick to offer a skilled nursing facility rather than allowing you to recouperate in an inpatient rehab facility. The difference in the quality of care is huge. Just my 2 cents based on experience of what I see. Ask a lot of questions.