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Plan Comparison Tool

Compare Medicare Advantage and Medigap plans to understand which type of coverage is right for you.

How to Use This Comparison

This side-by-side comparison highlights the key differences between Medicare Advantage (Part C) and Medicare Supplement (Medigap) plans. Both options work alongside Original Medicare, but they function very differently.

Review the pros and cons of each approach, then consider your own healthcare needs: Do you have preferred doctors you want to keep? Do you travel frequently? Do you prefer lower premiums with copays, or higher premiums with predictable costs? Your answers will help determine which type of coverage makes the most sense.

Remember, this comparison shows general differences. Actual plan benefits, costs, and networks vary by carrier and location. For a personalized recommendation based on your zip code, doctors, and prescriptions, schedule a free review with one of our licensed advisors.

Medicare Advantage
Also known as Part C
+Often includes Part D drug coverage
+May include extra benefits (dental, vision, hearing)
+Lower monthly premiums (some $0 premium plans)
+Out-of-pocket maximum protects you
Network restrictions (HMO/PPO)
May need referrals for specialists
Copays/coinsurance at each visit

Best for:

Those who want all-in-one coverage with extra benefits and don't mind network restrictions.

Medigap (Supplement)
Medicare Supplement Insurance
+Works with any doctor accepting Medicare
+No network restrictions nationwide
+No referrals needed for specialists
+Predictable costs (few or no copays)
Higher monthly premiums
Requires separate Part D drug plan
No extra benefits (dental, vision, etc.)

Best for:

Those who travel, want maximum flexibility, or prefer predictable costs with any provider.

Not sure which option is right for you? Let our advisors help you compare plans based on your specific needs.

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