Medicare Advantage vs. Medigap: Which Is Right for You?

Two of the most popular ways to enhance your Medicare coverage are Medicare Advantage and Medigap supplements. They work very differently — here's how to decide.

Request an insurance quote or contact a licensed advisor.

Once you're enrolled in Medicare, you have a critical choice: keep Original Medicare and add a Medigap supplement, or switch to Medicare Advantage. Both reduce your out-of-pocket costs — but in very different ways.

Medicare Advantage (Part C)
Medicare Advantage plans replace Original Medicare and are offered by private insurers. They bundle Part A, Part B, and usually Part D (drugs) into one plan. Most include extras like dental, vision, and hearing.

*Pros:* Often $0 or low monthly premium, includes extras, predictable copays
*Cons:* Usually limited to a network of doctors, requires referrals in HMO plans, coverage varies by county

Medigap (Medicare Supplement)
Medigap plans work alongside Original Medicare and pay many of the costs Medicare doesn't — like deductibles, copays, and coinsurance. You keep your freedom to see any Medicare-accepting doctor nationwide.

*Pros:* See any doctor who accepts Medicare, no networks, predictable costs, great for travelers
*Cons:* Higher monthly premiums, usually doesn't include drug coverage (need separate Part D)

Key Differences at a Glance
- Networks: Advantage has networks; Medigap has none
- Premiums: Advantage typically lower; Medigap typically higher
- Extras: Advantage often includes dental/vision; Medigap typically doesn't
- Freedom: Medigap offers nationwide provider access; Advantage is usually regional

Which Is Better?
It depends on your health, budget, travel habits, and preferred doctors. Our Medicare advisors help you compare all available options in your zip code at no cost to you.

*Disclaimer: We do not offer every plan available in your area. Please contact 1-800-MEDICARE or visit medicare.gov for a complete listing of plans.*