Is It Better To Have Medicare Advantage or Medigap

There may be times when one kind of Medicare insurance is better than another.

medicare supplement plansYour finances, overall health and even where you live can determine which one is more affordable for you and which one covers you better.

Is it better to have Medicare Advantage or Medigap?

It’s a question many seniors wonder as they look at their options.

Once you are 65, you’ll have the same options to pick from, and you’ll want to know the answer.

There are definitely times where one of these can be the best choice and the medicare supplement plansother may seem like an unsuitable option.

We don’t know what your situation is and what you can afford or what kind of coverage you need, but we can tell you how these two health insurance plans differ, and then you can use that information to make the right choice for yourself.

If you have questions after reading through this article, we urge you to give us a call and get some answers.

We are happy to assist you by providing expert advice on health insurance plans.

What is Medigap

While Medicare Supplements provide an excellent way for seniors to get more coverage for their healthcare expenses, these insurance plans also come with a monthly premium to pay.

The Medicare supplement cost shouldn’t keep you from getting the coverage you need, though, as these are often inexpensive plans, and we offer a way for you to find the lowest possible price on them.

You can use our website as a resource to find out what the prices are and to compare prices between different insurance plans and insurance providers.

medicare supplement plansAs the cost of Medicare Supplements changes each year, you can keep track of the prices here on our site.

We will update pricing information as you perform a search on our site, so you always get current prices rather than just data that we have stored on our servers.

You can count on the quotes you get from us to be 100% accurate and up to date.

Is it better to have Medicare Advantage or Medigap?

Is It Better To Have Medicare Advantage or Medigap




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Medicare Advantage Provides Extensive Medical Benefits

Is it better to have Medicare Advantage or Medigap?

The “Advantage” in the name Medicare Advantage is a good indication of how powerful these health insurance plans are.

They have some great medical benefits that can leave you mostly covered and have little leftover to pay out of pocket.

You’ll be able to go to the hospital or the doctor’s office repeatedly throughout the year and not have to pay very much, thanks to the coverage provided by a Medicare Advantage policy.

Advantage plans are able to cover you for a lot of inpatient and outpatient expenses, such as your hospital room expenses, medical tests, a few medications, visits to the doctor, and more.

They also cover you for emergency medical services and any urgent care that you require.

With that coverage, you will have most of the common medical expenses taken care of and not have to pay them on your own.

This can really help seniors to experience peace of mind and to feel that they are well protected against the cost of healthcare.

It can be expensive to be a senior, as your health will naturally degrade and you’ll naturally need to visit the doctor or hospital more and more.

It can be very helpful to have a powerful health insurance plan like Medicare Advantage taking care of you.

Some Advantage plans will give you more than just this basic coverage that we have told you about already.

Some of them go further and provide you with benefits that help out with routine checkups or with prescription drugs.

The powerful coverage they offer can assist in paying for the cost of medications, reducing them to just a few dollars apiece.

They can also cover the cost of routine visits to the dentist, optometrist, general practitioner and more, covering you when you need to get a new pair of eyeglasses, go for x-rays or buy a hearing aid.

You can choose from a lineup of Advantage plans to find the one that you want, and if you need some help comparing the rates on these plans, then use our site.

You’ll get a list of all the major health insurance providers in your area that sell Medicare Advantage, and you will be able to compare how much their Advantage plans cost.

That’s an easy way to find the best deals and save yourself a lot of money.

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Medigap Offers More Targeted Coverage

If you think that Medicare Advantage has too many medical benefits or perhaps not the right kind of medical benefits that apply to you and your situation, then you should give Medigap a look.

These health insurance plans are a bit different, but there is definitely some overlap between them and Medicare Advantage plans.

That is why you cannot enroll in both of them at the same time.

You’ll have to choose between one or the other.

This is true as well of union, employer and trust-based healthcare insurance plans.

These all overlap with Medigap and Medicare Advantage, and you cannot be enrolled in both at the same time.

For more information about conflicting coverage and which plans might overlap, be sure to call us up and get your questions answered.

There are actually 10 different Medigap plans that you can pick from. Whether you want high coverage or low coverage, there is a Medigap plan that will probably fit you well.

Our site helps you to find out how much they cost, but to find out what all the benefits are that these plans can give you, you’ll want to head on over to the Medicare website.

There, you will find a listing of all the Medigap plans and their detailed benefits.

The highest coverage Medigap plan is Plan F.

This one will cover all supplemental expenses.

medicare supplement plans

medicare supplement plansThe Medigap plans supplement Original Medicare, filling in its coverage gaps and providing benefits that extend its coverage.

Plan F covers you for all the following medical expenses:


  • Medicare Part A and Part B copayments


  • Medicare Part A and Part B deductibles


  • Medicare Part B excess charges


  • Hospice coinsurance


  • medicare supplement plansNursing care coinsurance


  • Foreign travel exchange


  • Three pints of blood each year

medicare supplement plans

This is all of the supplemental expenses, and you might not need all of them covered by an insurance plan.

You may be better off with a lower coverage Supplement plan, like Medigap Plan G.

This one covers you with nearly the same benefits but leaves off the Medicare Part B annual deductible.

That $198 charge is probably one you can afford to pay yourself, especially if you save money by choosing Plan G over Plan F.

Another good option for you is Plan N, which covers you for most supplemental expenses, but leaves a few Part B items for you to pay.

It will not cover the Part B deductible or the Part B excess charges, and it asks you to cover a few of the part B copays as well.

This is a very cost-efficient plan that can save many seniors money because of its reduced coverage and reduced cost.

Other Medigap plans give you some decent coverage as well, taking care of fewer benefits than what we have mentioned here, and you can look at the entire list of Medigap plans by visiting Medicare’s website and getting detailed information on all Medigap plans.

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Comparing the Cost

You can’t just compare the benefits if you are comparing Medigap and Medicare Advantage.

You will also want to compare the cost of these two health insurance plan medicare supplement planstypes.

You can do that using our site.

We make it simple to source quotes for Medicare plans like Medigap and Medicare Advantage.

Using our site, you can get a listing of quotes for these two types of plans.

Is it better to have Medicare Advantage or Medigap?

You can find out for yourself by checking the prices.

The one you can afford is obviously going to be the better choice, because not everyone will be able to afford both of these.

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The prices change periodically, so you’ll want to keep checking back with us to see what the current rates are.

The average price of Medicare Advantage is about $30 a month.

This takes into account all kinds of Medicare Advantage plans across all the states and all the insurers.

There are definitely some that are much more expensive, costing as much as a few hundred dollars a month.

Then again, some of them are very inexpensive.

You can actually find some Medicare Advantage plans that have no monthly premium.

Advantage plans also have an annual deductible to pay, but some Advantage plans come with no annual deductible.

Compare that to Medigap, which has an average price of $140 a month.

Medigap plans can range from around $40 a month to $300 a month, depending on which of them you get and where you live.

Of course, you will want to check the prices here on our site to make sure you get the most affordable plan.

The range on these plans is pretty much the same, but the average price is much higher for Medigap plans.

You will have to decide if Medigap covers you better or Medicare Advantage does.

Which one works best for you will be based on what your medical needs are and what you can afford to pay.

Of course, both kinds of plans could be affordable for you if you get a good deal on them.

You just need to use our site to source some quotes and find a good deal.

There are definitely some low-cost options out there, such as the $0 monthly premium Advantage plans we told you about.

You probably won’t find deals like that if you don’t bother to compare a few different quotes.

Each insurance company sets their own prices, and some of them work hard to be competitive in their pricing.

medicare supplement plans

Our site will help you to locate those and save you some serious money in the medicare supplement plansprocess.

It’s way faster to use this site to get your quotes than to try to source them on your own.

You could go from one insurance provider to the next and request quotes.

That would take a while, though, because each insurer is going to give you quotes for their plans, and that’s it.

To get multiple insurance company quotes, you need to go to multiple insurance company websites, or just use our site to get it all in one place.medicare supplement plans

We will provide you a listing that shows you local prices that are completely accurate.

This will help you a lot as you try to find a good price and try to avoid overpaying for your coverage.

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Comparing Network Coverage

We told you about the difference in benefits for Medigap and Medicare Advantage, but you should also know that they will not cover you the same way at every healthcare provider.

Most Medicare plans will give you full benefits if you go to a medical care provider that accepts Medicare.

Your Medigap, Medicare Part D and Original Medicare plans work this way, giving you full coverage anywhere that Medicare is accepted.

The Medicare Advantage plans work a bit differently.

They will only cover you in full if you go to a healthcare provider that accepts your insurance company’s plans.medicare supplement plans

So, if you enrolled with the health insurance provider Cigna, then you can only get full benefits from your Advantage plan at a hospital, doctor’s office or clinic where Cigna plans are accepted.

Going outside of their network of healthcare providers means that you are left to either pay for yourself entirely or in part.

Advantage plans can help you out with network coverage by letting you choose medicare supplement planssome different options.

The standard option is the HMO Advantage plan.

This doesn’t affect which benefits you get, but it does affect how you are covered based on whether you go on or off the network for your healthcare.

HMOs will cover you only within your insurer’s network.

They provide no benefits outside the network, leaving you on your own to pay in full for your care.

medicare supplement plans

PPOs are another option, and they can work well for people who live outside of their insurer’s network area.

PPOs will cover you completely while you stay within the insurer’s network, and then they provide partial coverage for you when you go outside of the network area.

That added protection means that these plans will cost you more.

You can sometimes choose from other network options as well, like HMO-POS plans that cover you fully on the network and then will discount any medical services received outside of the network rather than provide insurance coverage for you.

This isn’t a very common network option, though.

Another option that may be available is the Special Needs Advantage plans.

This is only accessible to people who qualify for special needs, which happens when you qualify for both Medicare and Medicaid.

For any questions you have about which kind of plan to sign up for, which network option to choose and what kind of choices are available to you, please let us know.

We will happily help you however we can, answering your questions and providing you with expert health insurance advice.

How to Enroll

Let’s talk about how you can sign up for Medicare Advantage or Medigap.

Both of these plans are available to seniors once they are 65 years old.medicare supplement plans

This is when you can first enroll, unless you have disability, which is available in only certain states.

The first chance you will have to enroll in any Medicare plan comes during Open Enrollment, starting three months from your 65th birthday.

That’s the beginning, and this enrollment period go for a total of seven months from there, giving you ample opportunity to sign up for the Medicare plan you want.

You’ll likely be automatically enrolled in a Medicare plan when you turn 65, but you may need additional coverage after that, which you can get from Medigap or Medicare Advantage.

medicare supplement plans

Both of these plans are ones that you could enroll in during Open Enrollment.

We recommend that you sign up at this time, if at all possible.

That’s because your preexisting medical conditions won’t make you pay more for your plan at that time.

Those medical conditions cannot be used to make you pay a higher than normal rate.

If you decide to enroll later on, perhaps during the annual enrollment period that comes around every year, then you will have to pay a higher rate.

You have to pay what is essentially a late fee for signing up after age 65 and then possibly a higher monthly rate because of a preexisting medical condition that you have.

Insurance providers can choose to deny you coverage if you apply after age 65.

They cannot turn you down if you apply during Open Enrollment, though.

They have to sell which whichever plan you want, so long as you qualify for it.

If you have questions about enrollment, then give us a call.

We will provide you with some answers and get you any information you need about available Medicare health insurance plans.

If any details about enrollment change on these plans, our site will be updated with that info.

You can expect accurate pricing data and relevant rates to be listed on our site, enabling you to make a smart, informed choice for health insurance.

medicare supplement plans

So, is it better to have Medicare Advantage or Medigap?

medicare supplement plansIf you are not sure which one to go with, then please feel free to give us a call.

Also, use our site to check prices and source as many quotes as you can.

That listing of quotes will be an invaluable tool for you as you attempt to save some money on healthcare and try to find the best deal and the best health insurance plan for your specific needs.

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