If you’re approaching 65 or already enrolled in Medicare, you’ve probably heard about Medicare Advantage and Medicare Supplement (also called Medigap) plans. But what’s the real difference? And which one is right for you?
Let’s break it down — simply.
What Is Medicare Advantage?
Medicare Advantage (Part C) is an all-in-one alternative to Original Medicare. These plans are offered by private insurance companies approved by Medicare and usually include:
- Hospital coverage (Part A)
- Medical coverage (Part B)
- Prescription drug coverage (Part D)
- Plus extra benefits like dental, vision, hearing, transportation, fitness programs, and more
You typically pay lower monthly premiums (sometimes $0), but you’ll use the plan’s provider network and may need referrals for specialists.
What Is Medicare Supplement?
Medicare Supplement (Medigap) plans are sold by private insurance companies to cover the costs Original Medicare doesn’t, like:
- Deductibles
- Copayments
- Coinsurance
You keep your Original Medicare coverage (Parts A & B) and add a Supplement plan to reduce your out-of-pocket costs. These plans don’t include drug coverage, so you’ll usually need a separate Part D plan.
Medigap plans offer more flexibility — you can see any doctor who accepts Medicare, no referrals needed.
Quick Side-by-Side Comparison
| Feature | Medicare Advantage | Medicare Supplement |
|---|---|---|
| Coverage | Bundles A, B, often D, plus extras | Supplements A & B only |
| Costs | Lower premiums, pay as you go | Higher premiums, fewer bills later |
| Networks | Must use plan’s network | Any Medicare-accepting provider |
| Prescription Drugs | Usually included | Not included (add Part D separately) |
| Extras (Dental, Vision, etc.) | Often included | Not included |
Which One Should You Choose?
It depends on your lifestyle and budget.
- Want lower monthly costs and don’t mind networks? Advantage might be the way to go.
- Prefer more freedom with providers and fewer surprise bills? Supplement could be the better fit.
Our Advice? Don’t Decide Alone
Our licensed agents are here to help you compare your actual options side-by-side based on your needs, zip code, and medications.
No pressure. No fees. Just answers.
Ready to make the right choice?
Call us at 801.879.3332 or click here to speak to a Medicare expert now.
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