The two paths, side by side
Medicare Advantage
- Low premium. ~60% of plans are $0/mo beyond Part B (CMS, 2025).
- Extras included. Most bundle dental, vision, hearing, and drugs.
- Network-based, with referrals and prior authorizations common.
- Yearly out-of-pocket cap protects against catastrophic costs.
Medigap (Supplement)
- Any doctor in the U.S. who accepts Medicare — no networks.
- Predictable costs. Plan G covers nearly every gap.
- Higher premium — about $217/mo on average (KFF/NAIC).
- Drugs separate — you add a standalone Part D plan.
Which fits you? Take 60 seconds
Answer five quick questions. This is an educational guide, not a recommendation — but it’s the same logic a good agent walks through with you.
1. Do you travel often or split time between states?
2. What matters more to you?
3. Want dental, vision, and hearing bundled in?
4. See specialists often or manage a chronic condition?
5. Is keeping your current doctors a must?
Cost and coverage, head to head
| Factor | Medicare Advantage | Medigap (Supplement) |
|---|---|---|
| Typical monthly premium | ~$17 avg; ~60% are $0 | ~$217 avg |
| Doctor choice | Plan network only | Any doctor accepting Medicare |
| Referrals / prior auth | Often required | None |
| Out-of-pocket costs | Copays up to a yearly cap | Very low & predictable |
| Drug coverage | Usually included | Bought separately |
| Dental / vision / hearing | Often included | Not included |
| Traveling coverage | Limited outside network | Nationwide |
Sources: KFF Medicare Advantage 2025; CMS 2025 fact sheets; KFF “Key Facts About Medigap.” National averages; your costs vary by county, carrier, and health.
Not sure the tool nailed it?
A licensed agent can pull the actual plans in your ZIP, check your doctors and drugs, and compare real prices — free, no obligation.
Get My Free Plan Review →Frequently Asked Questions
Can I switch from Medicare Advantage to Medigap later?
Yes, but it can be hard. Outside your one-time 6-month Medigap open enrollment, insurers in most states can charge more or deny you based on health. That’s why the first choice matters.
Is Medigap or Medicare Advantage cheaper?
Advantage usually has a much lower premium — about 60% of plans are $0 beyond Part B (CMS 2025). Medigap costs more monthly (~$217 average) but is far more predictable overall.
Does Medigap cover prescription drugs?
No. You add a separate Part D plan. Most Advantage plans include Part D bundled in.
Do I still pay my Part B premium either way?
Yes. Both paths keep the monthly Part B premium ($185 in 2025, per CMS) on top of any plan premium.