You can't have both. Medicare Advantage and Medicare Supplement (Medigap) are competing approaches to filling Original Medicare's gaps. Here's the honest comparison.
The Quick Difference
- Medicare Advantage (Part C): A bundled private plan that REPLACES Original Medicare
- Medicare Supplement (Medigap): A private plan that WORKS WITH Original Medicare
Side-by-Side Comparison
| Feature | Medicare Advantage | Medigap + Original |
|---|---|---|
| Monthly premium | $0–$50 (often $0) | $100–$300 |
| Network | Restricted (HMO/PPO) | Any provider that accepts Medicare |
| Out-of-pocket max | Yes ($8,300/year max) | Plan G: just Part B deductible |
| Drug coverage | Usually included | Need separate Part D |
| Extras (dental, vision) | Often included | Not included |
| Travel coverage | Limited outside service area | Excellent — works nationwide |
| Switching later | Easy | Hard (medical underwriting) |
Choose Medicare Advantage If...
- You want low/no monthly premium
- Your doctors are in the plan's network
- You don't travel extensively
- You want bundled dental/vision
- You're comfortable with managed care
Choose Medigap If...
- You want any-doctor flexibility
- You travel often (especially internationally)
- You expect heavy healthcare use
- You want predictable costs (Plan G covers most)
- You're enrolling at 65 (cheapest underwriting)
The Big Catch: Switching Back
You can switch from Medigap to Advantage easily anytime. Going back to Medigap usually requires medical underwriting — meaning insurers can deny you or charge more based on health history. Choose carefully your first time.
Approaching 65? Our Medicare specialists compare both and find the right plan for your situation. Get a Medicare comparison →