Medicare Advantage (Part C) and Medigap (Medicare Supplement) both help fill gaps in Original Medicare — but they work very differently.
Advantage plans usually include Part A and Part B benefits in one package, often with Part D drug coverage and extras like dental or vision. They typically use networks and may require referrals.
Medigap policies work with Original Medicare to help pay deductibles, coinsurance, and copayments. You generally keep freedom to see any provider that accepts Medicare, and Part D is purchased separately.
The right choice depends on your doctors, travel plans, budget, and preferred pharmacy benefits. A Medicare specialist can walk you through Advantage vs. Medigap clearly — especially if you are new to Medicare.
Key takeaways
- Advantage: all-in-one plans, often with extras and networks
- Medigap: pairs with Original Medicare for predictable cost sharing
- Drug coverage rules differ — confirm Part D needs
- Enrollment windows matter — ask before you switch
Need help choosing coverage?
Talk with a licensed Insurance Corner advisor for personalized options.