Plan Comparison
Compare Medicare Plan Types
See the side-by-side differences between Medicare Advantage and Medicare Supplement so you can make an informed choice.
How the Plans Compare
| Feature | Medicare Advantage (Part C) | Medicare Supplement (Medigap) |
|---|---|---|
| Monthly Premium | Often $0 or very low (plus Part B premium) | Higher monthly premium (plus Part B premium) |
| Out-of-Pocket Costs | You pay copays/coinsurance as you go, up to a yearly maximum | Highly predictable; most plans cover near 100% of approved hospital & doctor costs |
| Doctor Networks | Usually restricted to HMO or PPO networks in your local area | You can see any doctor in the U.S. that accepts Medicare |
| Referrals Needed? | Often required to see specialists (depending on HMO/PPO) | No referrals required |
| Prescription Drugs | Usually included in the plan | Not included; you must buy a standalone Part D plan |
| Extra Benefits (Dental, Vision) | Often included | Generally not included |
| Travel Coverage | Usually emergency care only outside your local service area | Covered anywhere in the U.S. (some plans offer foreign travel emergency) |
Which Plan is Right for Me?
Consider Medicare Advantage if:
- You prefer paying lower monthly premiums and don't mind paying copays when you use services.
- You want the convenience of having your medical, hospital, and drug coverage all in one plan.
- You value extra benefits like routine dental, vision, hearing, and fitness memberships.
- You are comfortable seeing doctors and hospitals within a specific local network.
Consider Medigap if:
- You prefer strict budget predictability and want almost zero out-of-pocket costs for medical care.
- You travel frequently across the United States or split your time between two states.
- You want the ultimate freedom to choose any doctor, specialist, or hospital that accepts Medicare.
- You have chronic health conditions and anticipate high healthcare usage.
Still Not Sure?
The best plan depends on your specific health situation, budget, and doctors. Medicji can walk you through your options in a brief consultation.