Medicare Supplements vs. Medicare Advantage: A Simple Guide to Choosing the Right Plan

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Healthcare is essential, especially as we get older. We are going to answer the big question, Medicare Supplements vs. Medicare Advantage? Medicare is an excellent resource for seniors in our country, but sometimes it doesn’t cover everything we need. That’s why we choose between Medicare Supplement (Medigap) plans and Medicare Advantage (Part C) plans. In this easy-to-read blog post, we’ll explain the difference between these two options and why Medicare Supplements might be a better choice for many people.


Medicare Supplements (Medigap) Explained

Medicare Supplement plans will help cover the costs that Original Medicare (Parts A & B) does not pay for. Private insurance companies offer the plans and come in several types labeled A through N. Each type covers a different amount of the costs that Medicare doesn’t pay, so you can pick the one that’s best for you.


Reasons to Choose Medicare Supplements

  1. Better coverage: Medicare Supplements help pay for more costs that Medicare doesn’t cover. Some plans even help pay for extra services, like emergency care, when you’re traveling.
  2. No limits on doctors: With Medicare Supplements, you can see any doctor that takes Medicare. You will not need to worry about staying in a network or getting referrals.
  3. Keep your plan as long as you want: As long as you pay for your Medicare Supplement plan, you can keep it, no matter what happens with your health.
  4. Know your costs: With Medicare Supplements, knowing how much you’ll need to pay for healthcare is easier. Some plans pay for all or almost all of the costs that Medicare doesn’t cover.

Medicare Advantage (Part C) Explained

Medicare Advantage plans are a different way to get your Medicare benefits. They’re offered by private insurance companies and combine Parts A and B. They often include extra coverage, like prescription drugs (Part D), vision, dental, and hearing care. Medicare Advantage plans work like regular health insurance plans, with options like HMOs and PPOs.


Drawbacks of Medicare Advantage

  1. Limited choice of doctors: Medicare Advantage plans usually have a network of doctors you have to use. If you go outside the network, you might have to pay more or not be covered at all. This can be hard if you travel often or live in a rural area with fewer doctors.
  2. Plan changes: Medicare Advantage plans can change their coverage, networks, and prices every year. Sometimes they even stop offering the plan, so you must find new coverage. This can be stressful and make it hard to plan for your healthcare.
  3. Need permission for some services: Some Medicare Advantage plans need you to get approval before you can get certain services or treatments. This can make managing your healthcare more complicated.
  4. Harder to budget: With Medicare Advantage, it’s harder to know how much you’ll need to pay for healthcare. Copayments, deductibles, and other costs can change, making it harder to plan your budget.


Why Medicare Supplements Might Be Better

Both Medicare Supplements and Medicare Advantage have good and bad points. Still, many seniors find that Medicare Supplements are a better choice. Here’s why:

  • With Medicare Supplements, you can see any doctor that takes Medicare, giving you more freedom to choose your healthcare providers.
  • The costs are more predictable, so you can plan your budget more efficiently.
  • You can keep your plan as long as you pay for it, regardless of your health.



Deciding between Medicare Supplements and Medicare Advantage can be challenging, but being informed about their differences can make your decision-making process easier. For many individuals, Medicare Supplements offer greater freedom, more comprehensive coverage, and a better understanding of their healthcare expenses. If you have any questions or need assistance selecting the most suitable plan for your needs, don’t hesitate to contact a trusted insurance professional who can guide you through the process. Remember, the key to choosing the right plan is understanding your personal healthcare requirements and selecting the option that best aligns with your priorities.

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Justin Brock

President & CEO of Bobby Brock Insurance