Choosing the right Medicare coverage can be confusing. Here’s a quick guide.

Medicare Plan Comparison Guide

Medicare Supplement (Medigap)

• Works alongside Original Medicare (Part A & Part B)

• Helps cover out-of-pocket costs, including:

  • Deductibles

  • Copayments

  • Coinsurance

• Allows you to see any doctor nationwide who accepts Medicare

• Requires a monthly premium in addition to your Part B premium

• Offers predictable healthcare costs

Best For:
Individuals who want maximum provider flexibility and consistent, predictable expenses

Medicare Advantage (Part C)

• Serves as a replacement for Original Medicare

• Typically includes additional benefits, such as:

  • Dental

  • Vision

  • Hearing

• May require use of a provider network (HMO or PPO)

• Often includes Part D prescription drug coverage

• Generally has a lower monthly premium than Medigap (costs vary by plan)

Best For:
Individuals who prefer all-in-one coverage with added benefits and potentially lower upfront costs

Key Differences at a Glance

FeatureMedigapMedicare AdvantageWorks with Original MedicareYesNo (replaces it)Doctor ChoiceAny provider accepting MedicareUsually in-networkExtra BenefitsRareOften includedPrescription DrugsSeparate Part D requiredOften includedCost StructureHigher, predictableLower, varies by usage

Bottom Line

• Medigap helps fill the gaps in Original Medicare by covering out-of-pocket costs

• Medicare Advantage replaces Original Medicare and may include additional benefits

Your decision should be based on:

• Budget and cost preferences

• Doctor and network flexibility

• Need for additional benefits (dental, vision, etc.)