Medicare Insurance · Comparison
Medicare Advantage vs Medicare Supplement
Medicare Advantage and Medicare Supplement are two completely different approaches to Medicare coverage. Medigap works alongside Original Medicare with no networks and predictable costs. Medicare Advantage replaces Original Medicare with network-based coverage, often at lower premiums.
Medicare Advantage vs Medicare Supplement — Key Differences
| Feature | Medicare Advantage | Medicare Supplement |
|---|---|---|
Medigap: any Medicare doctor, predictable costs, higher premium | ||
Medicare Advantage: network required, copays apply, lower/zero premium | ||
| Medigap | no referrals needed | Medicare Advantage HMO: referrals required |
| Medicare Advantage often includes dental, vision, hearing | Medicare Advantage often includes dental, vision, hearing | Medigap does not |
Cannot have both Medicare Advantage and Medigap simultaneously | ||
Switching from Medicare Advantage back to Medigap may require medical underwriting | ||
The Patriot Plans Verdict
Medigap is better for people who travel, have ongoing health needs, or want predictable costs. Medicare Advantage may be better for healthy people who want extra benefits at a lower premium and don't mind network restrictions.
Still Not Sure Which Is Right for You?
Patriot Plans is 100% independent. We compare both options from vetted carriers and recommend the one that's right for your specific situation — no sales pressure, no commissions driving our advice.