Medigap & Medicare Advantage

What’s the difference? We can help.


If you’re like most people, understanding the difference between Medigap and Medicare Advantage plans can be mind boggling. Let’s take a look at how these plans differ from one another so we can help you choose the right option.


These are also known as Medicare Supplement plans covering expensive deductibles and copayments, health care services and supplies that Medicare doesn’t cover. These costs can add up to hundreds of thousands of dollars should you have a major illness or accident. Therefore, to protect your financial security, a Medicare Supplement plan may be the less risky option over the long-term for protecting your hard earned financial assets. These plans also give you the most flexibility for choosing physicians or hospitals, and they travel with you – you’re covered in all fifty states by any provider that accepts Medicare billing.

Medicare Advantage

Medicare Advantage programs, also known at Part C plans cover all Medicare Part A and Part B services and have generally lower monthly premiums, so they can be more affordable for you in the short term. These plans may limit you to visiting only in-network doctors and facilities so you may not be covered outside of your local region.

Which plan is right for you?

Since you cannot be sold both a Medicare Supplement and Medicare Advantage policy, you must make a choice. To help you decide, SeniorQuote has created this side-by-side comparison of key considerations.


Compare: Medicare Supplement (Medigap) Medicare Advantage (Part C)
Monthly Premiums(in addition to your Medicare Part B premium)
Yes Some offer $0 premiums
Flexibility & Choice Large network of doctors & facilities Limited to in-network doctors & facilities (HMO/PPO)
Lifestyle Travels with you throughout the US (some plans cover emergency healthcare abroad, too) Plans operate only regionally
Prescription Drug Coverage (Rx) Does not cover Rx May include Rx coverage
Financial Protection Protects your wealth from major unexpected medical expenses You are responsible for all co-payments and co-insurance costs
Breadth of Coverage Substantial additional coverage to Medicare Similar coverage as Medicare with some plans offering additional benefits

The Power to Choose. Freedom to Save.

As you can see, even though we’ve broken down key features, everyone’s situation is unique. Figuring out the plan that’s most appropriate for you is probably not a do-it-yourself activity.

Why not make it easier? Simply call a SeniorQuote Licensed Agent who will listen to your needs and concerns, navigate through the complexity for you, access over 30 carriers to explore all your options, and get you the coverage you want at a price you can afford.