Medicare Advantage versus Supplemental. What is the difference?

What Is a Medicare Supplement (Medigap) Plan?

A Medicare Supplement plan, also known as Medigap, works alongside Original Medicare. Think of it as gap coverage — it helps pay for costs that Original Medicare doesn’t fully cover.

Key Features of Medigap:

✔ Pays After Medicare
Helps cover deductibles, coinsurance, and copayments.

✔ No Networks
You can see any doctor nationwide that accepts Medicare.

✔ Predictable Costs
Monthly premiums tend to be higher, but out-of-pocket costs are generally lower and more predictable.

✔ No Extra Benefits
Does not include dental, vision, hearing, or prescription drug coverage — those must be purchased separately.

Best for: People who want maximum flexibility with providers and low, predictable medical costs.

What Is a Medicare Advantage Plan?

A Medicare Advantage plan (Part C) is an all-in-one alternative to Original Medicare. These plans are offered by private insurance companies approved by Medicare.

Key Features of Medicare Advantage:

✔ Bundled Coverage
Includes Part A, Part B, and usually Part D drug coverage in one plan.

✔ Extra Benefits Included
Many plans offer dental, vision, hearing, fitness memberships, transportation, OTC allowances, and more.

✔ Low or $0 Premium Options
Many plans offer low monthly costs.

✔ Networks Apply
You may need to use doctors within the plan’s network (HMO or PPO styles).

✔ Out-of-Pocket Maximum
Provides a yearly limit on what you can spend — something Original Medicare does not offer.

Best for: People who want bundled coverage, extra benefits, and low premiums — and who are comfortable using provider networks.

How to Decide Which Option Is Right for You

Here are a few helpful questions:

1. Do you want the freedom to see any doctor?

Choose Medigap.

2. Do you prefer low monthly premiums and extra benefits like dental?

Choose Medicare Advantage.

3. Do you travel frequently or live part of the year in another state?

Medigap offers better nationwide flexibility.

4. Do you want one simple plan that includes everything?

Medicare Advantage may be a better fit.

The Bottom Line

Both Medicare Advantage and Medicare Supplement plans offer important coverage — but they’re built for different needs. Medicare Advantage is great for those wanting affordable, all-in-one coverage with extra benefits, while Medigap is ideal for people who want maximum provider flexibility and predictable medical expenses.

If you’re unsure which option fits your lifestyle, health needs, and budget, I’m here to help you compare plans and make the best decision for your situation.