Medicare Advantage vs. Medicare Supplement: Which Is Right for You?

When it comes to Medicare coverage, one of the most important decisions you’ll make is whether to enroll in a Medicare Advantage Plan (Part C) or pair Original Medicare (Part A and B) with a Medicare Supplement Plan (Medigap). Each option comes with different coverage rules, provider access, and costs—understanding these differences is essential to making the right choice for your health and budget.

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Medicare Advantage (Part C)

Medicare Advantage plans are all-in-one alternatives to Original Medicare offered by private insurance companies approved by Medicare. These plans include all the benefits of Part A and Part B and often add extras like dental, vision, hearing, and prescription drug coverage.

Key Features:

• Low or $0 premiums in many areas

• Includes additional benefits not offered by Original Medicare

• Networks apply (HMO or PPO plans)

• Out-of-pocket maximum for financial protection

• Copays and coinsurance for services as you use them

Best For:

People looking for an affordable monthly premium, are okay using a network of doctors, and want extra benefits bundled into one plan.

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Medicare Supplement (Medigap)

Medicare Supplement plans work with Original Medicare and help pay for costs like deductibles, copays, and coinsurance. These are also offered by private insurance companies but are standardized by the government and do not include drug coverage—you’ll need a separate Part D plan for prescriptions.

Key Features:

• See any doctor that accepts Medicare nationwide

• Minimal out-of-pocket costs

• No network restrictions

• No referrals needed to see specialists

• Monthly premium required, which varies by plan and age

Best For:

People who want maximum flexibility, travel frequently, or prefer predictable healthcare costs without worrying about networks or referrals.