What is the difference between Medicare Supplement and Medicare Advantage? | Patriot Plans
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What is the difference between Medicare Supplement and Medicare Advantage?

Medicare Supplement (Medigap) works with Original Medicare to cover cost-sharing. Medicare Advantage replaces Original Medicare. With Medicare Supplement, you can see any Medicare provider nationwide. With Medicare Advantage, you are typically limited to a network. Medicare Supplement has higher premiums but lower out-of-pocket costs.

Key Points

  • Medicare Supplement: works with Original Medicare, covers cost-sharing
  • Medicare Advantage: replaces Original Medicare
  • Medicare Supplement: see any Medicare provider nationwide
  • Medicare Advantage: typically limited to a network
  • Medicare Supplement: higher premiums, lower out-of-pocket costs
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