Medicare Supplement vs. Medicare Advantage

Medicare Supplement vs. Medicare Advantage

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

Medicare Supplement (Medigap)

• Works with Original Medicare (Part A & B)

• Covers deductibles, copays, and coinsurance

• See any doctor that accepts Medicare

• Monthly premium in addition to Part B

• Best for: people who want freedom and predictable costs

Medicare Advantage (Part C)

• Replaces Original Medicare

• Usually includes extra benefits (dental, vision, hearing)

• May have network restrictions

• Often includes Part D prescription coverage

• Monthly premium usually lower than Medigap

• Best for: people who want all-in-one coverage

Key Differences

Feature

Medigap

Medicare Advantage

Works with Original Medicare

Yes

No

Doctor Choice

Any

Usually in-network

Extra Benefits

Rare

Often included

Prescription Drugs

Separate Part D

Often included

Cost

Higher, predictable

Lower, can vary

Bottom Line:

• Medigap fills gaps in Original Medicare

• Medicare Advantage replaces it and may offer extra perks

• Choose based on budget, doctor choice, and benefits needed