Medicare Advantage (Part C)

Pros

All-in-One Coverage: Includes Medicare Parts A and B, plus extras like dental, vision, and prescription drugs.

Lower Premiums: Often offers lower monthly premiums, sometimes even $0.

Added Perks: Many plans include wellness programs and fitness memberships.

Cons

Network Limits: Requires using a specific network of doctors and hospitals.

Referrals Needed: You may need referrals to see specialists.

Higher Out-of-Pocket Costs: Costs can add up if you need out-of-network care.

Medicare Supplement (Medigap)

Pros

Freedom of Choice: See any doctor or hospital that accepts Medicare—no network restrictions.

Predictable Costs: Helps cover out-of-pocket expenses like copays and deductibles.

Nationwide Coverage: Ideal for frequent travelers.

Cons

Higher Premiums: Generally more expensive than Medicare Advantage.

No Extra Benefits: Doesn’t include dental, vision, or drug coverage—requires separate plans.

Separate Plans: Works alongside Original Medicare, requiring additional management.