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How Does Medicare Advantage Compare With Medigap?

Medicare Advantage and Medigap both have a variety of plans available on the market. Here's a general overview of how the two stack up against each other.

Wondering Which Plan Is Right for You?

It's typically easier to choose whether Medigap or Medicare Advantage is better for you if you're able to compare specific plans. However, there are some general guidelines that you can use to determine which option may be the right fit for you.

You may prefer a Medicare Advantage if:

• You prefer lower monthly premiums, and don't mind potentially high out-of-pocket costs

• You don't currently have a preferred doctor or hospital network you want to stay in

• You want additional benefits

• You don't mind being hands on with your coverage, as you're more likely to need to obtain prior authorization for covered services

You may prefer a Medigap plan if:

• You don't mind higher premiums if they reduce your risk of having to pay high out-of-pocket costs

• You want consistent coverage nationwide, from providers who accept Medicare

• You prefer to choose your own prescription drug coverage

• You want an easy and hands-off claims-paying process