Debunking Medicare can be mind boggling. That’s exactly why we work with people just like you, comparing hundreds of plans to find the best option for them based on their condition, budget, and location.

Many future and current beneficiaries ask the difference between Medicare Advantage and Medigap. Is one better than the other? Do you need one or both? This blog will help break it down.


Medigap plans have been around for decades. These were created because even when Medicare first launched, there were gaps in the plans on things like deductibles and coinsurance. Unfortunately, many people needed insurance that covered these things. Solution: Medigap!

Here’s what you need to know:

  • Benefits include filling the gaps, few out-of-pocket costs, flexibility in doctors, and ease of filing claims
  • Even if you enroll, you must stay enrolled in Original Medicare A & B. Present both cards to your doctor.
  • These plans don’t include retail prescription drug coverage. Don’t panic- you can add a Part D drug plan.
  • There is an additional cost for Medigap
  • Because you will still be enrolled in Medicare, you are able to see any treatment provider or hospital that accepts Medicare.

The last point is one reason many beneficiaries choose to enroll in Medigap. There is no need to stress about being referred from a primary care doctor refer you to a specialist.

Medicare Advantage

Now that you have a little better understanding of Medigap, let’s talk about Medicare Advantage. These are plans sold by private insurance companies that offer additional, incredible benefits to Original Medicare. These plans function similar to group insurance you have had in the past, where you will pay a copay for various services.

  • Benefits include lower premiums, amazing benefits, and easy to enroll
  • Even on Medicare Advantage, you will still pay for Medicare Part B
  • Generally, Medicare Advantage plans are often less expensive than supplements, though not always
  • Medicare Advantage plans have an out-of-pocket limit on annual spending. Once you hit it, your plan pays 100% of the cost on Medicare-approved medical services for the remainder of the year
  • Many Medicare Advantage plans offer incredible perks like dental, hearing, vision, access to doctors and nurses by phone and more
  • Plans can (and do) change from year to year. Be sure to stay informed to ensure you have the best plan year after year for you and your needs

Which plan is better for you?

Generally speaking,  Medicare Advantage plans have lower premiums than Medigap.

Medicare Advantage offers a limited selection of physicians and facilities within their network while Medigap can have more flexibilty.

Medicare Advantage can be easy to

It completely depends on your current needs, budget and conditions. Before you decide, contact us to help you compare plans and see if you qualify for additional benefits than you may be receiving now?