Plan Comparison
Medicare Advantage vs. Medigap
Which Is Right for You?
This is one of the most important decisions you'll make. Let me help you understand the real differences—not the sales pitch.
Get Personalized Advice — FreeSide-by-Side Comparison
| Feature | Medicare Advantage | Medigap + Original Medicare |
|---|---|---|
| Monthly Premium | Often $0 (but higher out-of-pocket costs) | Higher premium, but predictable costs |
| Doctor Choice | Limited to plan network | Any doctor that accepts Medicare |
| Referrals Needed | Often yes (HMO plans) | No referrals needed |
| Out-of-Pocket Maximum | Yes, capped annually | Medigap covers most/all gaps |
| Prior Authorization | Required for many services | Not required |
| Prescription Drugs | Usually included | Separate Part D plan needed |
| Travel Coverage | Limited or none | Some plans cover foreign travel |
| Guaranteed Renewal | Yes | Yes |
Medicare Advantage
Pros:
Lower monthly premiums
Extra benefits (dental, vision, hearing)
One card for everything
Cons:
Network restrictions
Prior authorization delays
Higher costs when you get sick
Hard to switch back to Medigap later
Medigap (Medicare Supplement)
Pros:
See any Medicare-accepting doctor
No prior authorization
Predictable, low out-of-pocket costs
Coverage travels with you nationwide
Cons:
Higher monthly premium
No dental/vision/hearing included
Need separate Part D plan
Not Sure Which Plan Is Right for You?
Every situation is different. I'll analyze your health needs, budget, and preferences to give you an honest, independent recommendation—for free.