What Is the Difference Between Medicare Advantage and Medigap?

When you’re figuring out your Medicare coverage, you’ll likely run into two popular options for extra protection: Medicare Advantage (also called Part C) and Medigap (also called Medicare Supplement Insurance).

They both help cover what Original Medicare (Parts A and B) doesn’t — but they work very differently. Let’s break it down side by side.

Category	Medicare Advantage (Part C)	Medigap (Medicare Supplement)
How It Works	Combines Parts A, B, and often D into one private plan	Works with Original Medicare to cover gaps like deductibles and coinsurance
Premiums	Often lower monthly premiums, but you pay copays/coinsurance as you go	Higher monthly premiums, but little to no cost when you use services
Network	Usually HMO or PPO — you may need referrals, stay in network	No network restrictions — see any doctor who takes Medicare
Extra Benefits	Often includes dental, vision, hearing, fitness, transportation	Focuses on medical costs only, no dental or vision included
Prescription Coverage	Many include Part D drug coverage	You’ll need to buy a separate standalone Part D plan
Travel Flexibility	Limited coverage outside your local service area	Often includes some foreign travel emergency coverage
Best For	People looking for all-in-one, lower upfront costs, willing to use networks	People who want flexibility, predictable costs, and broad access to providers

Which Is Right for You?

It depends on your personal priorities.

✅ Want one simple card and extra benefits like dental or vision? 

Medicare Advantage might fit.

✅ Want to see any provider, avoid networks, and cover more out-of-pocket costs? 

Medigap might be your match.

✅ Travel often or live part of the year in another state? 

Medigap’s flexibility usually wins.

✅ Prefer lower monthly costs and don’t mind copays? 

Medicare Advantage can save money upfront.

Important Note

You can’t have both at the same time. It’s either Medicare Advantage or Original Medicare + Medigap + Part D.

Bottom Line

Choosing between Medicare Advantage and Medigap is one of the biggest decisions you’ll make with your Medicare coverage — and it’s worth getting right.

We help folks just like you weigh the pros and cons, compare plans, and find the option that fits your health needs, travel plans, and budget.

If you want help making this choice, reach out. We’re here to make Medicare simple and clear.