Medicare Supplement (Medigap) pairs with Original Medicare and covers most of what Medicare doesn't, with no provider network, usually for a higher monthly premium. Medicare Advantage bundles your coverage into one plan with a network, usually at a lower monthly cost and with extra benefits Medigap doesn't offer.
| Medicare Supplement | Medicare Advantage | |
|---|---|---|
| Monthly premium | Higher | Often lower, some $0 |
| Out-of-pocket costs | Minimal, predictable | Copays/coinsurance, capped annually |
| Provider network | Any provider accepting Medicare | Usually network-based |
| Drug coverage | Separate Part D needed | Often included |
| Extra benefits | Not included | Often included |
Medicare Supplement trades a higher monthly premium for low, predictable costs when you actually need care, with total freedom of provider. Medicare Advantage trades that predictability for a lower premium, a network, and bundled extras. People with frequent specialist visits or who travel often tend to lean Medigap; people prioritizing lower monthly cost and added benefits tend to lean Medicare Advantage.
Yes, but outside your initial enrollment window or a guaranteed-issue situation, you may need to answer health questions and could be declined or charged more based on your health, depending on your state's rules. Some states have additional protections.
Yes. Medicare Supplement plans don't include prescription drug coverage, so you'd need a separate standalone Part D plan.
Because it covers more of your out-of-pocket costs, with no network restrictions. You're paying a higher predictable premium in exchange for lower costs and more flexibility when you actually use care.
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