Deciding which plan to enroll in – Medigap or Medicare Advantage – can be a tough decision, as it depends on your individual healthcare needs and circumstances. Here are some things to consider when making your decision:
Consider your current health: If you have significant healthcare needs, a Medigap policy may be a better choice, as it usually provides more comprehensive coverage than Medicare Advantage and has fewer out-of-pockets expenses.
Evaluate your future healthcare needs: If you expect having a lot of out-of-pocket expenses with Original Medicare, a Medigap policy may be more cost-effective in the long run.
Look at your budget: The Monthly premium for Medigap can be more expensive than Medicare Advantage plans, so you’ll want to consider your budget when making your decision.
Check the network: Medicare Advantage plans typically have a regional networks of providers, so you’ll want to make sure that the providers you want to see are in the network.
Consider additional benefits: Medicare Advantage plans may offer additional benefits beyond Original Medicare, such as vision or dental coverage, so you’ll want to consider if those benefits are important to you.
Review the annual limits: Most Medicare Advantage plans have annual spending caps with a Maximum of $9,350, so check if there are plans with lower annual limits in your area.
Try our Senior65.com Medicare Insurance RecommendationTool. We built this to help you decide which plan is right for you. It asks a few questions and shows you a brief video overview, so you can select the right plan for you.
It’s important to compare costs and benefits of both options before enrolling in a plan. If you would like to speak to a licensed insurance agent, please give us a call at 800-930-7956. This is a free service to you. We never charge clients when we help guide and enroll them in Medicare insurance plan.
Ultimately, the best plan for you will depend on your individual healthcare needs and preferences. Carefully considering the above factors and evaluating your options will help you make an informed decision.
Get a Medigap Quote Enroll in Medigap
Learn More about Medicare Advantage Get a MA Quote
Can I switch plans if I change my mind?
Not every Medigap plan works out—and that’s okay. With Senior65.com on your side, you can explore options like the Birthday Rule, which lets you switch plans without a health review in certain states. If that doesn’t apply, we’ve got your back with our Instant Medigap Underwriting Checker to assess your approval chances. Either way, we’re here to help you move forward.
Thinking about leaving Medigap Advantage and returning to Original Medicare with a Medigap plan? Make sure you read our full “Medicare Insurance Switching” guide for all the details.