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

One of the most common questions I get is: "Should I get a Medicare Advantage plan or a Medigap policy?" There's no universal right answer — it depends on your health, budget, and lifestyle. Here's how to think about it.

Medicare Advantage (Part C)

• Bundles Part A, Part B, and usually Part D into one plan

• Often includes extras: dental, vision, hearing, gym memberships, even transportation

• Typically has lower monthly premiums, sometimes $0

• Usually requires you to use a network of doctors (HMO or PPO style)

• Out-of-pocket costs (copays, coinsurance) can add up depending on how much care you use

  
  

Medigap (Medicare Supplement)

• Works alongside Original Medicare to cover the "gaps" — copays, coinsurance, deductibles

• No provider networks — see any doctor who accepts Medicare, nationwide

• Usually has a higher monthly premium, but more predictable out-of-pocket costs

• Requires a separate standalone Part D plan for drug coverage

• Best value when you enroll during your Medigap Open Enrollment Period (no medical underwriting)

  
  

So which is right for you?

If you value predictable costs, travel frequently, or have specific doctors you don't want to lose access to, Medigap paired with Part D might make more sense. If you want built-in extras and a lower monthly premium and don't mind a network, Medicare Advantage could be a great fit.

There's no wrong answer here — just the answer that fits your life. I walk clients through this comparison every day, and I'm happy to do the same for you, at no cost.

Book a free consultation and let's compare your options side by side.