When folks first get to that Medicare decision point, they often ask me, “So what’s the difference between all these plans—especially Medicare Advantage and Medigap?” And usually they follow that with, “And which one’s better?”

Fair question. The short answer? It depends on you.

Let me walk you through the basics so you can decide what works best for your life—not just what sounds fancy on a flyer.

What Is Medicare Advantage?

Think of Medicare Advantage (Part C) as an all-in-one bundle. These are plans offered by private insurance companies that combine:

  • Part A (hospital)

  • Part B (doctor visits)

  • Usually Part D (prescriptions)

  • And sometimes extras like dental, vision, hearing, and fitness benefits

You typically get lower monthly premiums, but you need to stick with a network of providers. Think of it like a membership—great if you stay in-network, but it may limit flexibility.

Pros:

  • Low (sometimes $0) monthly premiums

  • Includes extras like dental/vision

  • Simplifies coverage into one plan

Cons:

  • Limited provider networks

  • Out-of-pocket costs can add up

  • Less predictable than Medigap for frequent healthcare users

What Is Medigap (Supplemental Insurance)?

Medigap is a set of standardized policies that work alongside Original Medicare (Parts A and B). It doesn’t include prescription coverage (you’ll need to add a separate Part D plan), but it helps cover the gaps—like copays, coinsurance, and deductibles.

Pros:

  • See almost any doctor that accepts Medicare

  • Predictable costs, especially for those with regular care needs

  • Strong out-of-pocket protections

Cons:

  • Higher monthly premiums

  • Doesn’t include dental/vision/extras

  • Requires pairing with separate Part D plan

So Which One’s Better?

If you prefer low monthly costs and are generally healthy, a Medicare Advantage plan could work well.

If you want more freedom to choose providers and peace of mind about surprise bills, a Medigap plan might be a better fit.

Still unsure? That’s normal. And that’s exactly where I come in—to help you think through:

  • Your current health needs

  • Your doctors and preferred hospitals

  • Your travel habits (Medigap may offer better nationwide coverage)

  • Your budget

  • Your peace of mind

Real Talk from a Local Agent

Here’s what I tell my clients: There’s no “one-size-fits-all” answer. What matters is finding the plan that makes the most sense for your needs—and feels right for your life.

I don’t believe in pressure. I believe in service. So if you’re turning 65 soon or already enrolled but confused, I’d be glad to walk you through your options. No jargon. No surprises. Just a straightforward conversation over coffee—or a phone call (or text) if that’s more your speed.

Let’s make this decision simpler, together.

DMack Insurance