Medicare Advantage vs. Medicare Supplement

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

Choosing the right Medicare coverage can feel overwhelming. Two of the most popular options—Medicare Advantage (Part C) and Medicare Supplement (Medigap) plans—offer very different approaches to filling the gaps in Original Medicare. Understanding the pros and cons of each can help you make the best decision for your health and budget.

Medicare Advantage (Part C)

Medicare Advantage plans are offered by private insurance companies approved by Medicare. They bundle your Medicare Part A (hospital) and Part B (medical) coverage, and most include Part D (prescription drug coverage) as well.

  • Pros: All-in-one coverage; extra benefits like dental/vision/hearing; often lower premiums.
  • Cons: Limited provider networks; variable out-of-pocket costs; geographic restrictions.

Medicare Supplement (Medigap)

Medigap plans also come from private insurers but work alongside Original Medicare (Parts A and B). They cover out-of-pocket costs like deductibles, coinsurance, and copays.

  • Pros: Nationwide provider access; predictable costs; some plans include foreign travel coverage.
  • Cons: Higher monthly premiums; prescription drugs not included; no extra benefits.

At a Glance: Side-by-Side Comparison

Feature Medicare Advantage (Part C) Medicare Supplement (Medigap)
Monthly Premiums Often low or $0 (plus Part B premium) Higher premiums; vary by plan & age
Out-of-Pocket Costs Copays & coinsurance until annual max More predictable; many Medicare costs covered
Doctor & Hospital Choice Restricted to plan networks Any Medicare provider nationwide
Prescription Drugs Usually included Separate Part D plan required
Extra Benefits Often includes dental, vision, hearing Medical cost coverage only
Travel Coverage Limited to service area (emergency exceptions) Nationwide; some foreign travel coverage
Referrals May be required Not required
Best For Lower premiums & bundled perks Flexibility & predictable costs

Which Option Fits You Best?

Choose Medicare Advantage if you prefer lower monthly premiums, like bundled coverage, and don’t mind staying within a provider network.

Choose Medicare Supplement if you want maximum provider flexibility, travel often, or prefer the peace of mind of predictable out-of-pocket costs.

Need help deciding? As independent Medicare brokers, we’ll compare plans in your ZIP code and guide you toward the option that best fits your situation.

Disclaimer: InsureBend is not connected with or endorsed by the U.S. government or the federal Medicare program. Plan availability, premiums, cost-sharing, provider networks, drug formularies, and benefits vary by carrier and county and may change each year. This content is for educational purposes only and is not a plan recommendation.