Do doctors prefer Medigap or Medicare Advantage plans?

Question

Mitzi Davis · Accepted Answer

Doctors generally accept both types of coverage. Some may have a preference, but what truly matters is choosing the option that best fits your needs. There are many factors that go into deciding which plan is right for you, so it’s important to look at your personal situation and what kind of coverage will serve you best.

Answered by Mitzi Davis on May 1, 2026

Broker Licensed in KS, AR, IA & 6 other states

Answered by Mitzi Davis Medicare Insurance Agent

Dino Pappadis · Answer

Doctors work with both Medigap plans if they accept Medicare,  and Medicare Advantage if they are contracted with the plans.

Terry Salak · Answer

Any Dr who accepts Medicare assignment will accept Medigap (also referred to as Medicare Supplement) plans.  However, if you enroll in a Medicare Supplement Plan N and you see a provider who does not accept Medicare assignment you will be responsible for 15% excess charge.

Medicare Advantage plans are going to limit you to medical providers who are with those specific plans network.

Casey Ahlbum · Answer

Most doctors that I talk with prefer their clients to have Medigap. It's easier for them from a billing standpoint, and they don't have to constantly wait for pre-approvals before they can provide care. With Medigap, they know that if Medicare pays, the Medigap plan is going to pay as well so they can recommend treatments with confidence.

Answered by Casey Ahlbum on April 27, 2026

Broker Licensed in FL, AK, AL & 31 other states

Answered by Casey Ahlbum Medicare Insurance Agent

Steve Schnell · Answer

Every doctor has the option to contract with Medicare Advantage carriers, or to accept Original Medicare, or both, or neither. The vast majority of Drs in the US seem to accept Original Medicare.

Chris Vari · Answer

That is depending on the doctor.  However, we have had very little complaints by by our clients physician offices regarding MEDI GAP plans.

Rukshini Sandrasegaran · Answer

The insurance company the doctors are contracted with dictates whether doctor can accept Medicare Advantage or Medigap Insurance.

Richard Norcross · Answer

Most doctors prefer Medigap plans over Medicare Advantage. There are no referrals or plan restrictions and have less of an administrative burden on their office

Lori Crivelli · Answer

This depends on the area you are located in and the doctor network. Some doctors only take Medicagap and some only take Medicare Advantage. It is important to work with an agent to help you determine what plans your doctors take.

Answered by Lori Crivelli on April 27, 2026

Broker Licensed in CA, AZ, FL & 6 other states

Answered by Lori Crivelli Medicare Insurance Agent

Howell Silverman · Answer

Great question. The more important question would be which is best for YOU, Not which is best for the Dr.

It seems to be less work for the Dr if you’re on a Medigap plan. But the coverage is better for you with an Advantage plan because those plans offer benefits beyond what original Medicare offers. 

You should seek the advice of a qualified licensed, certified and appointed agent to help you decide which plan is best for you. Not which plan a Dr. prefers.

Do doctors prefer Medigap or Medicare Advantage plans?

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Do doctors prefer Medigap or Medicare Advantage plans?

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Related Questions

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