If Medicare Supplement (Medigap) plans are better for long-term coverage, why don't more people choose them?

Question

Chris Prang · Accepted Answer

First, one has to define “better”. What is “better”?
•	No networks.
•	Less prior authorizations.
•	More financial protection if something serious happens.
•	Standardized...A Plan G is a Plan G no matter where you live. They don’t change from year-to-year.

After that, the main reasons why more people don’t choose them are as follows:

1.	The 800# TV ads from the corrupt, publicly traded e-brokers. The ads and agents that represent these companies do not give full disclosure about ALL the options and pros and cons of each option that a Medicare beneficiary has. Unfortunately many people that have enrolled into Medicare Advantage over the last 5 years or so have little to no clue what they have and the pros and cons that go along with it.

2.	Almost 20% of Medicare beneficiaries also receive Medicaid, therefore they have no need for a Medicare Supplement.

3.	Many people can’t afford the escalating premiums. For those that can’t, they need to seriously consider a High-Deductible Plan G. It is “The Best Alternative To Medicare Advantage.” 

4.	Then you have a large percentage of Medicare beneficiaries that have group retiree coverage in place of or in addition to their regular Medicare. These would include those who have retired from federal, state, and local government, as well as those in the military that have Tricare for Life.

5.	Lastly, there are people that have truly weighed their options and prefer Medicare Advantage over a Medicare Supplement because of the $0 to low premiums and the extra benefits (dental, vision, etc.). And they are willing to deal with copays, networks, and annual changes. From my experience and research, the vast majority of people that have a Medicare Advantage plan are satisfied to very satisfied with their plans.

So, “better" depends on each Medicare beneficiary's specific needs, philosophy, and budget.

I hope that helps.

Regards,

Chris

Rich Baker · Answer

IMO, there are several reasons. 
First, there’s going to be a premium for a MedSupp plan on top of your part B premium. I have many clients on a tight income and they can’t afford another $200+ per month for a supplement. There are alternatives like high deductible plans that have lower premiums, but many people feel that if they have a high deductible plan, they may as well get a Medicare Advantage plan, which, while it has copays, coinsurances, and provider networks, in many cases does not have a monthly premium.

Second, MedSupps require a separate Prescription Drug plan. In some cases, there are $0 premium plans available, but increasingly the PD standalone plans have premiums as well, so now you’ll have Medicare Part B, your MedSupp premium AND your part D plan premium. Most Medicare Advantage plans include Part D coverage, often at no additional premium. 

Third, MedSupps do not provide dental, vision, or hearing coverage, so there are MORE premiums to add to the list. Most Medicare advantage plans include some level of DVH coverage.

Because of this, many brokers are reluctant to pitch a MedSupp. I personally will always ensure people, especially those new to Medicare, know their options so they can make an informed decision about their coverage that most fits their needs from a healthcare and budget perspective.

I hope this answers your question!

James Hale · Answer

Medicare Supplement (Medigap) plans often provide stronger long-term protection, especially as health needs change over time. They generally offer more predictable costs and greater flexibility to see the doctors you want.

So why don’t more people choose them?

A big part of the reason comes down to how the decision is usually presented. Many agents focus heavily on the short-term, lower monthly premiums and extra benefits like dental, vision, or gym memberships. These features can feel appealing upfront, especially when someone is healthy and trying to keep costs down. What often gets less attention is how those same plans can become more expensive or restrictive later, when health issues arise and you need care the most.

Another factor is that not every agent has the same depth of experience helping people through the realities of coverage over time. Some focus primarily on enrollment and comparing premiums. Others have worked directly with claims and seen how different types of plans actually perform when someone needs ongoing care. That real-world perspective tends to lead to more balanced conversations about both the short-term and long-term implications.

There’s also an important timing element that doesn’t always get discussed. Most people can only get into a Medigap plan without medical underwriting during their Initial Enrollment Period. After that, insurance companies can review your health history, and many people are denied coverage or charged much higher premiums. This means the choices made during that first enrollment period can have a lasting impact on what options remain available later.

Because of this, getting sound guidance from the beginning, from someone who understands both the immediate trade-offs and the long-term consequences, can help protect your flexibility as your needs change.

Edward Givens · Answer

Most people don't choose Medicare coverage based on what will serve them best 10 or 20 years from now. They choose based on what looks best today.

Medicare Advantage plans often have lower premiums and include benefits like dental, vision, hearing, and prescription drug coverage. That's appealing, especially when you're first enrolling.

Medicare Supplement plans usually cost more each month, which causes many people to stop the comparison there.

The question I ask through my Protection for Life™ approach is simple:

*"What coverage is most likely to protect your future self?"*

As healthcare needs increase, many retirees value the flexibility, access to providers, and predictable costs that a Medicare Supplement plan can provide.

Medicare Advantage can be the right fit for many people. But if someone can afford a Medicare Supplement and qualifies for it, it's important to understand that getting one later may be more difficult if health issues develop.

Coverage and protection aren't always the same thing.

The best Medicare decision isn't always the one with the lowest premium today—it's the one that provides the strongest protection for the years ahead.

Kyle Nystrom · Answer

Often, people just don't know they exist. Medicare Advantage plans do a ton more advertising compared to Medicare Supplement plans.

They're also comparatively pricey - people often don't consider the Maximum Out Of Pocket compared against the Medicare Supplement plan premium annualized, they just see "$0.00" per month.

Finally, Medicare Supplement plans don't include drug/prescription coverage and often also don't include subsidies for gym memberships, OTC items, dental, vision, hearing etc. All are often included to some degree in Medicare Advantage plans to "sweeten the deal" in their advertising efforts.

Norman Smith · Answer

Advertising often misleads people to assume they know things they don't. The privatized companies that offer MA plans televise 9500 commercials per day! Have you seen many, if any, commercials regarding supplement plans? So many people don't have the information about them and the difference they make. In today's world, many seniors fear that they will be "Taken for a ride", so trusting a company or an agent is difficult. 
MA companies make it seem so easy! They lay out the positives, but don't show what is missing from the policies, such as the choice of practitioners, specialists, or travel benefits. It doesn't show that the highest quality choices very often do not accept the MA product. It doesn't show what Out-of-Pocket costs are if you do not choose a Network Provider. It doesn't clarify that in giving your Original Medicare back for the MA plan that you lose coverage for your Durable Medical Equipment needs. Those plans need to be changed every year, and the policy you have today may not be in place next year, or your Doctor may not even participate in that plan any longer. You rarely have that issue with Medigap plans. 
And we cannot leave out that the premiums for the Medigap plans may be out of reach for some. Unfortunately, some find out too late that they chose "Easy" instead of "Thorough", and what they saved in premiums cost them hugely later on when they needed more quality coverage.

Bill Holland · Answer

It all comes down to  monthly cost / premium .
Medicare Supplements go up in cost / premium every year because the Federal Government 
increases the deductibles every year which forces the Insurance Companies  to increase premiums every year to be able to pay the increased Deductibles. Also age is a factor.
Medicare Supplement rates increase as you get Older. Under Medicare Supplements Claims also increase as you get older because many people are not pushed to get Annual Physicals and use the Preventive Benefits. Older people tend to have larger claims because it is up to the Client to stay on top of medical issues. 
Medicare Advantage Plans premiums Are not adjusted / increased by age , everyone in a given plan pays the same monthly premium. Medicare Advantage plans push their clients to get annual Check ups and make uses of the Preventive Health Benefits. In many cases the Insurance Companies financially reward Clients with things like  prepaid Visa cards to get their clients to use the Annual Check ups and Preventive benefits. ALSO Medicare Advantage Plans have Medical Teams that monitor clients with Health Issues. Finally Medicare  Advantage plans offer special health plans for clients with specific health issues   like Diabetes or Heart Problems. the result is healthier clients and lower overall claims.

Esther Miller · Answer

Medicare Suppliments are good in that they are able to provide additional coverage for Medicare Part A hospital coverage and Medicare Part B doctor coverage to minimize out of pocket expenses to just $257.00 for the Part B deductible. But they do so at a price, as policies for a G plan average between $240 to $260 per month. This is in addition to paying for the Medicare Part B monthly premiums of $185.00 per month, a monthly fee for a Part D prescription drug plan and an average cost of $60 to $75 per month for a dental plan. These monthly costs do add up and can put these kind of plans out of reach for those with fixed budgets. Advantage plans on the other hand, can start as low as zero premium, vision, dental coverage for a lower monthly fee. The trade off? You may have to pay more out of pocket for a big health event, as max out-of-pocket costs can be up to $6000 or more annually.

Answered by Esther Miller on August 25, 2025

Agent Licensed in WA

Answered by Esther Miller Medicare Insurance Agent

Jason Miller · Answer

A number of factors can affect an individual's decision regarding the type of coverage they choose. People that have both Medicare and Medicaid often do not need secondary coverage. Others, who are very healthy at the time of turning 65 elect to go with Medicare Advantage due to it's low premiums and extra benefits. Another group that chooses Medicare Advantage are those that did not elect Medigap at 65 and are not eligible through medical underwriting and need coverage with an out-of-pocket max (as Medicare A & B do not have one).

Answered by Jason Miller on June 1, 2026

Broker Licensed in AZ

Answered by Jason Miller Medicare Insurance Agent

Angela Tapp · Answer

That is a very good question! The truth is, while Medicare Supplement gives you incredible financial predictability down the road, it requires you to pay a premium right now, whether you see the doctor or not. And those that select a Medicare Advantage plan normally go that route because they simply cannot afford the monthly premium. On top of that, standard Supplements don't include routine dental, vision, or prescription drugs, so people choose Advantage plans to get everything wrapped up into one affordable package. As your partner, I don't believe one is universally 'better'. The best plan is the one that fits your health needs today without hurting your family's wallet tomorrow.

Answered by Angela Tapp on May 27, 2026

Agent Licensed in TX, AL, AR & 26 other states

Answered by Angela Tapp Medicare Insurance Agent

Celeste McGrath · Answer

This generally comes down to affordability.  A Medigap plan has a monthly premium where in general, most Advantage plans do not so that is usually the number 1 reason people choose Advantage over Medigap.  Medigap plans are fantastic coverage, but the premium increases every year and sometimes twice a year. 

The second part is that it can only supplement your A & B.  Nothing more, nothing less. So you are still required to get another policy for your Part D (Drug coverage). Which adds more cost on the monthly premium side. 

Advantage plans are more of a bundled structure so you have medical, dental, vision, hearing and drug coverage (in most cases) all in one plan without a monthly premium (in most cases).  But there are copays as you use the coverage so each structure has it's pros and cons.

Brent Mowery · Answer

I have been in the Insurance industry for 25 years. In 2006, when Part C & D were introduced, many consumers enrolled in Part C. Today, more than 50% of retirees on Medicare select Part C. To explain, Part C has grown over the past 19 years due to $0 premium plans, ancillary benefits and decreased medical underwriting requirements. The downside is managed care, high Maximum Out of Pocket (MOOP) costs, trends where ancillary benefits are being reduced and many Part C plans are leaving in 2026. 

Medicare Supplement plans (Medigap) have a higher premium and will increase in premium as you age. However, medical costs are more predictable and you are not subject to the Annual Enrollment Period (AEP) which runs from October 7 - December 15th of each year. 

You need an educated insurance broker to guide you through your options as you make these important choices. Call me, I will be happy to assist you! Thanks!

Nancy Courser · Answer

Many people are enticed by the low premiums for the Advantage plan and additional benefits like fitness, dental, vision, over-the-counter, etc. They view their health in today's terms not in future terms when potentially health changes occur. So, it's about the cost and coverage. People also think that they can enroll in a Medigap down the road but find out that guarantee issue rights are not available and cannot medically qualify. They forget that after the initial enrollment, the insurance company requires the applications to go through medical underwriting. Not everyone qualifies and pre-existing do count in the overall evaluation.

Answered by Nancy Courser on May 23, 2025

Agent Licensed in MI, FL & TN

Answered by Nancy Courser Medicare Insurance Agent

Don Lilly III · Answer

Medigap plans can be an excellent long-term option for many people, but they aren't automatically the best choice for everyone. One reason more people don't choose them is that they typically have higher monthly premiums than many Medicare Advantage plans. The right decision depends on your budget, healthcare needs, and how much financial predictability you want, which is why it's important to compare both options before enrolling.

Answered by Don Lilly III on July 20, 2026

Broker Licensed in VA, CT, FL & 14 other states

Answered by Don Lilly III Medicare Insurance Agent

Jake Dalton · Answer

1. Increasing costs each year with premiums. 
2. Prescription formulary's are more expansive on the Advantage plans than they are on stand-alone PDPs.
3. Some people just cannot afford the premiums of a Medi-gap plan, plus the Part B premiums (Both of which increase annually). 
4. Under 65 persons on Medicare due to Disability can pay upwards of $500 a month or more for a Medicare Supplement; not including a Part D plan too. 
5. Many Advantage plan's maximum out-of-pocket is sometimes less than what is paid annually for premiums on Medigap plans. 
6. Some people are most interested in Dental or Hearing, or Vision coverage that cannot be obtained under OE Medicare and Med-Supplement plans.


Just a few quick thoughts this busy AEP season.

Sandra Kerley · Answer

I feel like this answer can be best answered by why people choose them and why they don't.

Some reasons people choose Medicare Supplement:

They can afford the monthly premium - as they tend to be higher than the advantage plans and can afford the annual raise in cost.
There are no networks.
Prior authorizations are not required for services.
Referrals are not required for specialists.


Some reasons people choose Medicare Advantage over Medicare supplement:
Monthly premiums can be as low as $0. 
They can include other coverages such as dental, vision, hearing and more.

Medicare Advantage Plans have a maximum out of pocket cost.

Jan Breheny · Answer

Often people choose an Advantage plan over a supplement is the cost.  Where a great number of Advantage plans have a zero monthly premium, all Supplements come with an additional premium as well as your Part B monthly premium.  You do have to maintain your Part B with either senario.
In addition you receive those extra benefits like dental, eye, and vision as well as a gym memebership. 
You need to factor in things like your health and finances, and be aware that the Supplements only have limited time for guaranteed issue, no medical underwriting.

Mary Brown · Answer

Medigap is less popular mainly because it costs more each month and doesn’t include extras like dental, vision, or prescriptions. Many people choose Medicare Advantage instead because it has a lower upfront cost and added benefits, even though it comes with more out-of-pocket costs when you use care.

Answered by Mary Brown on April 20, 2026

Broker Licensed in NJ, DE, FL & NC, OH, PA & TX

Answered by Mary Brown Medicare Insurance Agent

Sharon Bohlen · Answer

Medicare plans are not a "one size fits all" and people who choose Medicare Advantage plans do so for the bundled services (prescriptions, dental, vision, hearing) and little to no monthly premiums. People who choose Medicare Supplement plans are willing to pay monthly premiums for the freedom to see any doctor who takes Medicare without verifying networks. They are willing to purchase stand-alone plans for dental and vision. It comes down to personal preference; people on both types of plans get the care they need.

Answered by Sharon Bohlen on August 21, 2025

Broker Licensed in OH, FL, IN & KY

Answered by Sharon Bohlen Medicare Insurance Agent

Todd Bostic · Answer

The reason a lot of people don’t pick a Medicare Supplement plan is because of Money. People can look at the difference between a Medicare Advantage and Medicare Supplement like this. A Medicare Advantage is more of a pay as you go, kind of like a prepaid cell phone. A Medicare Supplement is more of a pay ahead. No matter what, your doctor’s bill or hospital bills are paid ahead. But you usually pay a lot more for that because Medicare Advantage plans can be as little as $0, but Medicare Supplement plans go up every year and you have to get your own prescription drug plan.

Answered by Todd Bostic on July 13, 2026

Broker Licensed in TX, AL, AZ & 12 other states

Answered by Todd Bostic Medicare Insurance Agent

Belinda Lang · Answer

Simple answer: COST. But that is somewhat of a shortsighted view. This is how I explained it to my Mom, who chose a Medicare Advantage plan before I was licensed in her state. She chose a Medicare Advantage with a $4800 Out-of-pocket max. Well, after a few years she needed to have some surgery. There were a bit of complications and she spent 3 or 4 extra days in the hopsital. she need to come up with $4800 for her portion. Well, 4 years later she needed the same surgery. Different spot, same surgery, and the likelihood of her needing some extra days, because of diabetes, was high. So if we take that $4800 divided by 4 years - she was paying an extra $100 a month for that "free" Medicare Advantage plan than she thinks she was.

Answered by Belinda Lang on December 15, 2025

Broker Licensed in ID, AR, AZ & 16 other states

Answered by Belinda Lang Medicare Insurance Agent

Enoch Vega · Answer

Many people don’t choose Medicare Supplement (Medigap) plans because they often have higher monthly premiums, and the costs are more predictable but paid upfront. Others prefer Medicare Advantage plans because they bundle extra benefits like dental or vision and may have lower premiums, even though the long-term costs can vary—so the choice often comes down to budget, health needs, and personal preference.

Answered by Enoch Vega on January 11, 2026

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

Answered by Enoch Vega Medicare Insurance Agent

Lori Crivelli · Answer

Each person has different needs and some people prefer a Medigap policy so they are not restricted on what doctors they see. A Medigap policy allows you to see any doctor that accepts Medicare. For some individuals this is important and they elect to have a Medigap policy. There is also premium involved with Medigap policies where as most MedicareAdvantage plans have $0 to low premiums. Cost is a factor for most people when evaluating plans.

Answered by Lori Crivelli on January 12, 2026

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

Answered by Lori Crivelli Medicare Insurance Agent

Tamekia Mckinnie · Answer

Medigap has a monthly premium and it built à la carte in terms of total coverage needed: dental, vision, hearing and part D so with all of these separate changes some people feel it is easier to just bring them all together- like in an Advantage plan. The calculations of Medigap balance out when considering the out of pocket expenses and deductibles of the other coverages. This just means you pay now or pay later- but may be easier to use Medigap if you are using multiple providers.

Answered by Tamekia Mckinnie on June 8, 2026

Agent Licensed in FL

Answered by Tamekia Mckinnie Medicare Insurance Agent

Gary Henderson · Answer

Medigap   are the majority of plan selections. However, insurance companies spend more advertising dollars on medicare advantage plans, because the insurance company makes more profit from those. Also, low income people like the zero dollar monthly premium, but pay 5-10K per year, in max out of pocket should they become seriously ill.
Medigap is the better choice.  I recommend Plan N for the majority of people. Most cost effective medigap plan.

Traci Harward · Answer

A lot of people can’t afford the additional expense of a Medicare Supplement plan. Plus, you are required to get an additional prescription drug plan and supplemental dental and vision. A Medicare advantage plan sometimes seems simpler for a lot of people. It is important to work with an insurance advisor that can look at all the different options and decide the best option for you.

Answered by Traci Harward on May 27, 2026

Broker Licensed in UT, AZ, CA & 7 other states

Answered by Traci Harward Medicare Insurance Agent

Maci Mishler · Answer

Medicare Supplements have a premium and some people can't afford them. Those premiums will also go up over time so they need to understand they're paying for their coverage. A lot of people who are new to Medicare may not use their coverage enough to see the benefit to the larger premium, but they need to understand that statistically, they will eventually use that coverage and the premium will be worth it!

Answered by Maci Mishler on June 9, 2025

Broker Licensed in NE, AR, KS & MO, ND, OK & TX

Answered by Maci Mishler Medicare Insurance Agent

Kristen Skinner · Answer

Well sometimes it isn't always the best plan for the client. The Supplement plans are expensive, and they do not include dental and vision. Most Advantage plans include some dental and vision and are cheaper in cost. These two things are important to seniors as they get older. Saving money for retirement, and getting their teeth checked every year is a way to stay healthy. The key question to ask is how much can you afford? And let them give me a budget. Then see if the Supplement (Medigap) is the right fit.

Answered by Kristen Skinner on June 8, 2026

Broker Licensed in OK

Answered by Kristen Skinner Medicare Insurance Agent

Tristan Gibbs · Answer

Medicare Supplement plans come with a monthly premium and sometimes that premium just does not fit the budget. Other people may feel like they’re healthy enough to not need all the coverage provided from a Medicare Supplement plan. The caveat with this line of thinking is that those people will likely miss their guaranteed issue period to get on a supplement with Hoyt going through underwriting.

Answered by Tristan Gibbs on April 14, 2026

Broker Licensed in FL

Answered by Tristan Gibbs Medicare Insurance Agent

Theresa Furth · Answer

Medigap plans typically have higher premiums and can involve health question underwriting if you miss the initial enrollment window. People tend to choose the Medicare Advantage plan because of lower cost and the extra benefits.

Answered by Theresa Furth on October 30, 2025

Agent Licensed in VA, FL, ME & 5 other states

Answered by Theresa Furth Medicare Insurance Agent

David Haynes · Answer

One of the main reasons can be the costs associated. You still have to pay your Part B premium, you would likely need to enroll in a Prescription Drug Plan and it would good to have a Dental Vision and Hearing plans as well. 
  You do have more freedom, go to any physician, DDS, etc. that accepts Medicare. 
Another consideration is that to get the best rate one needs to usually register during the open enrollment period to avoid underwriting.

Jeffrey Jon · Answer

It is a choice. Some may want the security of the Medicare Supplement over the possible lower cost of the MAPD. The MAPD has no underwriting, whereas the MS plans do. If you have health issues that prevent you from lowering your monthly premiums, then you can choose the alternative of the MAPD plans.

Answered by Jeffrey Jon on July 7, 2025

Agent Licensed in TX

Answered by Jeffrey Jon Medicare Insurance Agent

Matt &quot;Ernie&quot; Ernstes · Answer

Medicare Supplement plans have a premium attached to it.  not everyone can afford a premium.  

they do not include a drug plan, the extra benefits like dental, vision and hearing.  those are separate coverages with their own premium.

Marcie Barnes · Answer

The coverage a beneficiary choses is a personal choice.  Medsup plans have a cost that some people can't afford.  Medicare Advantage plans offer more comprehensive coverage including dental, vision, hearing etc.

Medsups are like having car insurance.  You pay a monthly premium and hope you don't need it.  Medicare Advantage is more like pay as you need it.

Melissa Foster · Answer

Most people don’t choose a Medicare supplement because they look at the monthly cost. You’ve got $120 plus supplement premium and a separate part D drug plan. That upfront expense scares people off, even though it usually saves money and stress later.

Answered by Melissa Foster on December 15, 2025

Broker Licensed in OK, AL, AR & 9 other states

Answered by Melissa Foster Medicare Insurance Agent

Deborah Zanelotti · Answer

Most Medicare Beneficiaries are not properly educated, for many reasons, on what choices they have based on where they live (zip code/county). They often listen to friends, family, etc. and what they have and think it will be the same for them. Everyone is different and need to be treated as such by an experienced licensed agent. Other times it's because they can't afford the Medigap policy as time goes on. They are health insurance plans and will increase over time unfortunately but if you live in a "birthday rule" state, you can shop those premiums based on that states rules.

Answered by Deborah Zanelotti on December 13, 2025

Agent Licensed in MD, CA, DC & 11 other states

Answered by Deborah Zanelotti Medicare Insurance Agent

Kristen Maurice · Answer

Medicare plans are not "one size fits all". People choose other options for many different reasons. The most common reason I find is budget. Also, some people like the all-in-one convenience that a Medicare Advantage plan provides. There are advantages to both options, and that is why it is essential to learn about each plan so that you can decide what is best for you.

Answered by Kristen Maurice on July 7, 2025

Agent Licensed in TN, AL, CA & 10 other states

Answered by Kristen Maurice Medicare Insurance Agent

Lt Col Tim Brown · Answer

I think it's because premiums go up every year and become pricy.  To get another med sup at a lower rate, one has to qualify for that and sometimes they cannot. It doesn't come with dental, vision and hearing nor a prescription drug card.  You have Medicare Part B premiums on top of that and it's gotten higher over the years.  I remember when Part B was $99.00.  
Hope that helps.  Tim Brown, please contact me.

Clarence &quot;Mark&quot; Christiansen · Answer

Medicare supplement plans are generally much lower cost for people age 65 - to - 70 but after that, things change. I have customers who started paying $ 125 monthly for their supplements but their plans closed for new business and increased premiums on current grandfathered members to $ 500 monthly (and higher).

Answered by Clarence "Mark" Christiansen on April 4, 2025

Agent Licensed in WI, AZ, CA & 16 other states

Answered by Clarence "Mark" Christiansen Medicare Insurance Agent

Lakisha Bryant · Answer

Medigap plans have a premium that increases every year on the policy anniversary date. There are deductibles to meet as well as a prescription premium and prescription co-pays. It depends on if you can afford the medigap plan. Everyone's situation is different.

Answered by Lakisha Bryant on August 3, 2025

Broker Licensed in LA, MI, MS & TX

Answered by Lakisha Bryant Medicare Insurance Agent

Kim Fisher · Answer

Usually people that don’t choose Supplements is because they have a monthly premium and you have have to buy drug plan and vision dental separately. Where with a Medicare Advantage there are usually no premiums and other things are included.

Answered by Kim Fisher on August 18, 2025

Agent Licensed in SC

Answered by Kim Fisher Medicare Insurance Agent

D. Scott Harrod · Answer

When I am given the privilege to assist someone who is aging in, turning 65 and who also plan to trigger their Medicare Parts A and B, my primary objective is to make certain that I assist that person to gain a complete and solid grasp of their options, such as Traditional Medicare A and B only, or Traditional A and B along with a Medigap (aka Medicare Supplement Plan), what about Part D Drug coverage, or no Traditional A and B, but a Plan C (aka Medicare Advantage Plan) and or to understand of any potential penalties. Within my Agency it has been my experience when Folks have a good understanding of their options, their costs and or financial risks over half of my Clients chose Medicare Supplements and Part D Drug Plans alongside Traditional Medicare A and B, that approach costs more monthly, but no uncertainty whatsoever as to what You will be responsible to pay, Awesome Peace of Mind.

Answered by D. Scott Harrod on October 29, 2025

Agent Licensed in KY

Answered by D. Scott Harrod Medicare Insurance Agent

Thermon Holliday · Answer

The correct answer is, "There isn't a long-term coverage plan." The MediGap plan offerings are renewed annually. Although the "coverage" may continue the following year, aside from CMS rules on plan design, the coverage could change. It is best to review your coverage options annually. This ensures your awareness of any potential variance in the upcoming year.

Answered by Thermon Holliday on June 22, 2026

Broker Licensed in CA, GA, MD & NV, OR, TX & VA

Answered by Thermon Holliday Medicare Insurance Agent

David Chaims · Answer

While Medicare supplements with Original Medicare and a drug plan is great coverage for Health Care.
But it does not cover Long term care. No Health Care Provider or Medicare cover it. You must get a Separate LTC Policy to cover Custodial Care in these settings, In Home Care, Assisted Living or Nursing Home Care.
Thank you.

Hunter Klaassen · Answer

I think there is various different reasons why more people don’t pick medigap policies. I would say a lot of people aren’t going with Medigap plans because of premium costs. There is also a lot of added value in the Medicare advantage plans with dental, vision, over the counter allowances, and fitness programs for free that people don’t want to miss out on as well.

Answered by Hunter Klaassen on March 23, 2026

Agent Licensed in MI

Answered by Hunter Klaassen Medicare Insurance Agent

Beth Duncan · Answer

There are many reasons folks don't choose a supplement.  Some people want dental, vision, and hearing benefits, which are often included in Medicare Advantage plans, as well as Prescription
coverage.  Cost as far as monthly premiums for a Medicare Supplement are also a concern for
some because of fixed incomes on Social Security.

Michael Pyers · Answer

They only look at Dollar signs and not the big picture. Also, Medicare Advantage salespeople are more interested in the fact that most Advantage plans pay a lot more commission than Medigap plans. So- not always in the best interest of the consumer, but in the best interest of the salesperson.

Answered by Michael Pyers on July 9, 2025

Broker Licensed in OH & MI

Answered by Michael Pyers Medicare Insurance Agent

Alicia Hoilman · Answer

Medicare plans are not a one size fits all meaning Medigap plans aren't always the best option for everyone. It depends on many factors. Monthly Cost is typically the reason many people won't choose a Medicare Supplement or end up switching to a Medicare Advantage.

Answered by Alicia Hoilman on June 11, 2025

Broker Licensed in VA, DE, FL & MD

Answered by Alicia Hoilman Medicare Insurance Agent

Charlie Fitzgerald · Answer

For some, affordability may be a concern. Others may choose to enroll in a Medicare Advantage plan, thereby not needing the Medigap plan (you cannot have both.) Or, they may have not been effectively guided by a licensed agent to know the benefits of the Medigap plans.

Answered by Charlie Fitzgerald on September 16, 2025

Broker Licensed in NV, AZ, CA & 12 other states

Answered by Charlie Fitzgerald Medicare Insurance Agent

Britania James · Answer

Less people choose Medigap plans because they:
1. Have a monthly premium
2. Do not cover dental, vision, hearing, or prescription drug coverage

Steven Bleicher · Answer

Affordability is the number one concern. Due to our global economy, these factors are the key. Since we currently live in a state of flux, folks are dismissing our future & prefer to put off the inevitable. One of the main statistics that I have been aware of for years is that 2 out of every 3 seniors will experience a visit to a long-term care facility in their lifetime. This is not a cheap out of pocket cost! Another common problem is that folks believe that they are in great health. But what about being in a car accident? With that situation, your health is no longer good & now you are greatly impacted.

Answered by Steven Bleicher on June 7, 2025

Broker Licensed in AZ

Answered by Steven Bleicher Medicare Insurance Agent

Jim Tretola · Answer

If everyone could afford a Medicare Supplement Plan, they would probably have one. 
Many people choose Advantage plans based upon their budget, and with many having $0
Premiums, as well as including a Drug Plan as well as other benefits, they are quite attractive.

Sherri Haskell · Answer

The answer to your question is a bit nuanced. Each plan offers different elements, and they also differ among the plans. Much of the choice has to do with personal needs and preferences, and even sometimes your location. 

The choices are broad and can be a little complex. It all comes back to your personal preferences, your preferred medical practitioners, your required services, your preferred pharmacy, and the medications you are prescribed, and of course, your budget. One plan is comprehensive (Advantage) and the other (Supp) is more a la carte. 

Another factor is the changing environment. The Medicare system is constantly making changes to be aware of.

Steve and Sue Brauer · Answer

Question: If Medicare Supplement Medigap plans are better for long-term coverage, why don't more people choose them? What I see in my practice here at State Farm on Kelly Street, and I've been doing Medicare planning now for the last decade, is that people don't understand the differences between Medicare Supplement Medigap and Medicare Advantage. Of course, Medicare Advantage gets all the commercials, all the hype, and stuff in your mailbox.

What we do here is explain to our clients both the advantages and disadvantages of both Medicare Supplement and Medicare Advantage. Whatever makes better sense for the client, we help them with that. So, work with someone who can offer you both Medicare Supplement and Medicare Advantage. More importantly, work with someone who's dealt with it for years and knows the good and bad about both plans. We would love to help you. Please, these decisions are way too important to take by chance or wait till the last minute. Let us help you; we'd be glad to.

Tony Capraro III · Answer

Question: If Medicare Supplement Medigap plans are better for long-term coverage, why don't more people choose them? What I see in my practice here at State Farm on Kelly Street, and I've been doing Medicare planning now for the last decade, is that people don't understand the differences between Medicare Supplement Medigap and Medicare Advantage. Of course, Medicare Advantage gets all the commercials, all the hype, and stuff in your mailbox.

What we do here is explain to our clients both the advantages and disadvantages of Medicare Supplement and Medicare Advantage. Whatever makes better sense for the client, we help them with that. So, work with someone who can offer you both Medicare Supplement and Medicare Advantage. More importantly, work with someone who's dealt with it for years and knows the good and bad about both plans. We would love to help you. Please, these decisions are way too important to take by chance or wait until the last minute. Let us help you. We'd be glad to.

Andrew Kramer · Answer

Who says that Medigap pans are better for long-term coverage? There is no "1-size fits all" for Medicare plans. The choice between a Medigap plan and an Advantage plans depends on a number of factors, including: state and county where you live, Dr's you want to be able to see, money you have available. It's not a good idea to base such an important decision on reading generalized articles you find online that do not reflect those factors. It's important to use a local and experienced agent!

Answered by Andrew Kramer on October 26, 2025

Agent Licensed in FL

Answered by Andrew Kramer Medicare Insurance Agent

Kevin Chaikin · Answer

It's not universally the better option but in summary it usually comes down to cost.  If you are short sighted about finances, you may focus on the monthly premium instead of the financial exposure.

Patricia &#039;Tif&quot; Bush · Answer

In my opinion, more people are choosing them because there’s less red tape about what is covered versus going with an advantage plan. As an agent of 20 years for Medicare plans, I offer both advantage plans and supplements. And I am clear about the fact that both are offered and give the opportunity for a client to choose one or the other Many people like a zero premium plan such as with an advantage plan.

Answered by Patricia 'Tif" Bush on September 19, 2025

Broker Licensed in CT, FL, NC & SC

Answered by Patricia 'Tif" Bush Medicare Insurance Agent

Joseph Peck · Answer

Medicare supplements actually do not cover long term care, they do cover skilled nursing when a client has been in the hospital for 4 days and 3 nights and has been prescribed by a doctor, at which point Medicare will cover the first 20 days of care. Days 21-100 normally costs the client 209.50 a day while medicare covers the rest. If more time is needed, back in 1998 congress passed a law stating that medicare is no longer allowed to cover home care, assisted living or nursing home after day 100. The client needs to find different covered for that, WHILE they are healthy.

Answered by Joseph Peck on September 30, 2025

Agent Licensed in MI, AL, CO, KS & TN

Answered by Joseph Peck Medicare Insurance Agent

Shalonda Cave · Answer

These plans come with premiums in addition to Original Medicare’s Part B premium, which may not be the best financial option for all clients.

Kelly Linster · Answer

Better is a very subjective term. I find when a client is educated on both Advantage plans & Supplement plans. They choose what fits their needs the best from the very start of Medicare.

Brenda Watson · Answer

In short, money.  We are paid commission and the commission on an Medicare Advantage plan is double that of a Supplement.

Andrew Zurbuch, MBA · Answer

Generally the premiums. Medicare Beneficiaries weigh the premiums for Medicare Supplement Insurance versus Medicare Advantage. An increasing percentage are choosing enrollment in Medicare Advantage.

Plans are insured or covered by a Medicare Advantage (HMO, PPO and PFFS) organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Pat Papson · Answer

Good Afternoon,
My personal experience, is that as you get older, the cost does increase. 

For financial concerns, and when the premium for the Supplement is larger than the co-pays, your choice may be to consider a Medicare Advantage plan.

Gary Burroughs · Answer

Generally, people are short-sighted. At 65, life is good, and they feel they are healthy, and the monthly cost of -0- is very appealing. As time goes on, the node starts falling, the deductible starts building, and they are not able to qualify. With Medigap carriers so they must stay with an Advantage plan.

Answered by Gary Burroughs on October 10, 2025

Broker Licensed in OR, IA, OH & SC, TX, VA & WA

Answered by Gary Burroughs Medicare Insurance Agent

Mike Henry · Answer

Mainly cost. Most advantage plans have little or no cost.  Also no or low cost drug and Dr coverage.

Glenn Alterman · Answer

Some don’t chose them because they don’t want to pay for them and like the MAPD plans with no premium or very small premiums

Ronnie Robinson Jr · Answer

When you say long-term coverage, are you referring to long-term care? Medicare Supplement plans can be expensive the older you get.

Meghan Blankenship · Answer

That’s a really insightful question — Medigap plans do provide strong long‑term coverage, but there are several reasons why not everyone chooses them. It often comes down to cost, eligibility, and alternatives.

Answered by Meghan Blankenship on December 3, 2025

Broker Licensed in FL, MD & OH

Answered by Meghan Blankenship Medicare Insurance Agent

Valerie Schurman · Answer

My opinion is because the premiums can be costly and continue to go up    i think individuals should do a thorough investigation or talk to you agent    thanks

Brian Williams · Answer

Medicare Supplement/Medigap is a good option to support your Medicare coverage. Every individuals needs are different and may require a different solution. Meeting with a licensed Medicare Agent and discussing your needs will help you get the best solution for your healthcare.

Answered by Brian Williams on September 29, 2025

Agent Licensed in FL, AR, CA & 16 other states

Answered by Brian Williams Medicare Insurance Agent

Johnnie Jeter · Answer

Because people have a choice to choose whatever plan best fits their needs and whatever plan they want to be on.

Vanessa McKinney · Answer

Depending on your unique needs,the broker will help determine the best plan for an individual. Each will client require a different type of coverage, depending on medication and doctors.

Toni Cormier · Answer

Traditional Medicare is the bases for all plans (Medicare Supplement and Medicare Advantages) and when it comes to long-term care it is covered from a short-term perspective meeting eligibility criteria.

Christopher Cunningham · Answer

To be clear Medicare nor Medicare advantage pays for conversant care at all. Stand alone long term care or home health policy’s are the only way to pay for this aside from Medicaid.

Robert Evans · Answer

Long-term care (LTC) plans aren’t healthcare insurance. MediGAP is healthcare insurance plans. LTC plans helps cover chronic or disabilities such as bathing; dressing. It is different from healthcare plans

Gary Church · Answer

This answer is provided in a video format. Watch the agent's video response here: https://medicareagentshub.com/questions/if-medicare-supplement-plans-are-better-for-long-term-coverage-why-dont-more-people-choose-them#gary-church