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Medigap vs Medicare Advantage

Medigap vs Medicare Advantage

Medigap vs Medicare Advantage

medigap vs medicare advantage

In the Medigap vs Medicare Advantage debate, the point it all comes down to is two aspects of medical insurance coverage. One, how much it costs and two, what benefits are offered at the different aspects of the coverage. In this article, we will think out loud the choices you have in front of you and how you can make decisions that benefits you and your family and dependents, not the insurance companies who want to sell you everything under an umbrella of paranoia and bullying tactics. Choose your coverage based on your needs, not the advertisements offered by the for-profit insurance companies.

Medigap vs Medicare Advantage

The Medigap vs Medicare Advantage debate starts with costs. Which costs more and which is going to be kinder to your wallet? Medigap is often cheaper because they are a collection of plans that are purchased in smaller increments for specific courses of coverage. Medicare Advantage certainly costs much more because it is the whole kit and caboodle of the Medicare supplement plans, a through g, that you are buying into.


Medigap plans are smaller pieces of a larger picture, and they allow you to pick and choose what you need coverage for and pay for only that. The problem that arises, however, is that you never know what you might need down the line, and you need to have the insurance type in place before you are able to use it. You can’t simply buy it once you find out what you need for treatment coverage.

Medicare Advantage

With Medicare Advantage, you are getting everything you could ever possibly need as well as a whole lot of things you will never need. What you are buying into is a peace of mind that in any instance, you have coverage. You could contract an exotic disease of find yourself pregnant at 55 and you still would have the adequate insurance coverage to be cared for.

Medicare Supplement (This is Medigap)

The standard Medicare supplement (this is Medigap) is there to help you plan your health insurance coverage piece by piece without having you pay for things you don’t need. However, the extra cost might be worth it to you based on your treatment projections. If you ever have any questions on whether your health insurance is adequate for your needs, contact your local Medicare specialist and schedule and appointment. They can assist you in getting your policies in order.

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By |2019-09-12T18:21:24+00:00August 14th, 2019|Medigap vs Medicare Advantage|