Medicare Advantage Vs Medigap

Finally decide which Medicare Insurance is right for you.

by Amy De Vore+ on Feb 10, 2017 | 10 Comments

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Many of our clients call us with the exact same question: “Should I buy a Medicare Advantage or a Medigap plan?”

There is no quick answer because it depends on many factors including your location, health care needs and budget. That is, there WAS no quick answer until now!
Check out our new tool below to decide whether you should get Medigap or Medicare Advantage based on some quick questions.

  Medigap VS Medicare Advantage

Click HERE to visit our Plan Recommendation Engine

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Reader Comments and Questions

By Marta on September 28, 2019

I think I have buyers remorse. I work full time and switched from insurance provided at work to a Medigap plan F the first if the year. I can afford the premium now but am concerned that someday after I am on a fixed income I will struggle. I’m healthy and am not realizing the advantages of the medigap plan since I do not go to the doctor often. My biggest reason for considering a change is that so far nothing has been covered by the plan. Why have supplemental coverage if you still have to pay out of pocket? I might as well. how is a person supposed to be able to make a decision that affects their budget for the rest of their life?

Remember you can always switch to a Medicare Advantage plan during open enrollment each year. They typically are less expensive and you are guaranteed to be approved. Our advice would be to consider switching to a Plan G for now to save some money and then move to Medicare Advantage should your resources change in the future. Give us a call if you are interested in discussing more.
-Chris from

By Gena on July 29, 2019

Mom is in rehab for massive stroke on june30. We are here since july9. She has Medicare advantage. We want 100 days paid. Should we buy supplemental 309/mo and switch to original Medicare? When can we switch out of supplemental after 100 days? Also, mom needs a nursing home. Will supplemental help with that? Which is better for mom now that she needs nursing care for feeding tube and moving her paralyzed left side she can’t sit up use bathroom and her home is not an option after the 100 days. Any answer is grately appreciated. God bless you for helping us. Gena

Switching from MA to Medigap can only be done at certain times of the year. Most people make the switch during open enrollment with the new Medigap policy starting on the first of the new year. Also unless she qualifies for special enrollment, your mom will be required to go through medical underwriting to be approved on a Medigap plan. Finally Medigap does not pay for nursing home expenses. I wish we had better news to you but based on the information you shared her current MA plan may be her best option.
-Chris from

By Peter on June 18, 2019

I am 76 years old in August, employed with Cigna PPO. My wife will have qualify to apply the Medicare in September and turn in 65 in December 08. We are looking an Insurance agent to Coach me right now we think should be stick Medigap. Only I am not sure most the Doctor don't accept Medicare even the Big Hospital in Houston Texas. If you can start communicate with us through My e-mail provided above, we are appreciated. Peter

We can surely help you get the right plan. We will be contacting you by email.
-Chris from

By don on March 03, 2019

I know MA has a limit out of pocket of $6700 , what is the limit out of pocket for Medigap if there is one ?

Hi Don,
Medicare Supplement Plan K and Plan L come with an out-of-pocket limit. After you reach the yearly limit, your plan typically pays for all costs for covered services for the rest of the year. In 2019, the annual out-of-pocket limit for Medigap Plan L is $2,780; the limit for Plan K is $5,560.

The other plans, such as Medigap G and F, do not have out of pocket limits as there is little cost share for those who purchase those plans.

If you are looking to enroll in a plan, please consider working with!
-Chris from

By Gregory on March 29, 2018

I have done so much research on the question of Medigap vs Advantage. I still question my decision. I live in the perfect area for Medicare Advantage since all my Doctors, Labs, and Hospital are InNetwork. My health is very good and usually see a Doctor for exams or routine tests. I am on no prescription drugs. My travel is limited to a few trips per year. I realize health issues and events may eventually happen. I like to prepare for possible future events. The other side of this is, I can also afford a Medigap Plan G with a low cost Drug Plan. For me it becomes a 50/50 decision as to which coverage I should enroll in? My instinct is saying to enroll in the Medigap Plan G. I have read all the small print and know what I am getting with either decision. Is there anything you can add to reinforce or reverse my decision to enter into Medigap Plan G? Thank you

Thanks for the thoughtful question. If you are on the fence between Medigap and Medicare Advantage (MA) we typically recommend starting with Medigap. Here is why: Switching from Medigap to MA is much easier than the other way around. After your first year, if you want to move from MA to a Medigap plan you would have to answer health questions on the application and could be turned down.

In contrast, switching from Medigap to MA is always approved if you do it during Medicare's open enrollment.

When you are ready to enroll in either plan, please call us and we can do it right over the phone at the guaranteed lowest price.

Hope that helps.
-Chris from Senior65.

By bruce benson on November 17, 2016

If I have Medigap inOklahoma and get sick in Texas, will it pay?

Medigap plans work with Medicare's nationwide network. This means that any doctor that accepts Medicare assignment, anywhere in the U.S. or its territories also accepts Medigap. If the Texax doctor falls into this category, then you are covered!
-Michelle from

By Charles A Crum on May 16, 2016

As with Bill on 10/15/15, no box no questions Refresh doesn't change that.

By Bill Bartkowits on October 23, 2015

"Just answer a few questions in the box below" I don't see a box or any questions.

Try refreshing the page to see the box of questions. If not, try changing browsers. Although, it should work in all browsers, but maybe your settings will allow you to see it in one and not another. Hope this helps!
-Amy from

By Valerie L on June 11, 2015

Humm... I got stuck on one step: I want the discounted price of Medicare Advantage but I want a national network of Medigap. Are there any MA plans with a National Network?

That's a very good question. At this time we do not know of a Medicare Advantage plan with a national network. You might want to look into a Medigap High F plan, to get the lower premium and keep the nationwide network.
-Eric from

By Jorge on May 12, 2015

This tool is great i now know that Medigap is better for me. i'm applying now

PLEASE NOTE: We cannot comment on specific Medicare claims. Contact Medicare directly if you are trying to see if your issue is covered.

We will not publish your last name or email if you submit this form.

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