Medicare Advantage vs. Medigap

Medicare Advantage (Part C)

More benefits, simple coverage, lower to no premiums.

Medicare Supplement (Medigap)

Higher premiums, more freedom, fewer extras.

Medicare Advantage More Benefits in One Simple Plan.

Medicare Advantage combines your Part A and Part B into one plan, usually with low or $0 monthly premiums and a long list of extra benefits. Most plans include dental, vision, hearing, prescriptions, and even over-the-counter or gym benefits.

• $0 or low monthly premiums for many people

• Dental, vision, hearing, and OTC benefits often included

• Prescription drug coverage usually built in

• Annual out-of-pocket maximum for financial protection

• Works like modern health insurance with clear copays

Medigap Higher Monthly Cost With More Doctor Freedom

Medicare Supplement (Medigap) plans work with Original Medicare to help cover deductibles, copays, and coinsurance. You pay a higher monthly premium, still need add drug plan, and there are no built-in extras like dental or vision but you can see any doctor nationwide who accepts Medicare.

• Higher monthly premiums compared to most Advantage plans

• No dental, vision, hearing, or OTC benefits included

• Drug coverage must be purchased separately (Part D)

• No networks see any Medicare-accepting provider in the U.S.