One of the biggest decisions on Medicare is choosing between a Medicare Advantage (Part C) plan and a Medicare Supplement (Medigap) plan. Both can help control out-of-pocket costs, but the trade-offs are different.
Medicare Advantage plans bundle Parts A, B, and usually D — often with extras like dental, vision, or fitness benefits. Premiums tend to be lower, but you'll typically use a network of providers and may need referrals.
Medigap plans work alongside Original Medicare to cover deductibles, coinsurance, and copays. You can see any provider that accepts Medicare nationwide, with very predictable costs — but premiums are higher and prescription drug coverage is purchased separately.
The right choice depends on your doctors, your travel habits, your budget predictability needs, and the specific plans available in your area.
There's no universally 'better' option — only the option that's better for you. Let's compare them side by side.