My neighbor says I'm crazy for paying for a Medigap plan when Medicare Advantage is "free." What should I tell him?

Question

Tammie Rutledge · Accepted Answer

Medicare Advantage Plans are not FREE.  They may have a $0 premium.  However, you must continue to pay your Medicare part B premium to qualify for a Medicare Advantage Plan.

Gary Church · Answer

Medicare Medigap offers true freedom in healthcare choice, allowing you to see any doctor nationwide who accepts Medicare—no referrals, no network restrictions. In contrast, while Medicare Advantage plans may offer zero premiums, they often require referrals and can change annually. Your doctor may be in-network one year but not the next. If you experience a life-changing event and require hospitalization, unexpected medical bills could reach thousands of dollars. With a Medigap plan, your only out-of-pocket cost beyond the monthly premium is the Part B deductible, which is set by Medicare each year—$257 for 2025."

Answered by Gary Church on May 19, 2025

Broker Licensed in Ca, AZ, NV & TX

Answered by Gary Church Medicare Insurance Agent

Steve and Sue Brauer · Answer

You can first tell him that nothing is free. Your Medicare Advantage plan may not have a monthly premium, but instead you'll have copays for services that you need, its kind of a pay as you go model. The MediGap plans are designed so that you pay a monthly premium up front, whether you use services or not, and then when you DO use services they are very low cost or free.

Answered by Steve and Sue Brauer on April 14, 2025

Broker Licensed in AZ & CA

Answered by Steve and Sue Brauer Medicare Insurance Agent

Mark Bilgere · Answer

All you should tell him is thanks for your opinion, I'll consider it. Then, what you should think about is what kind of care you will need, what medications you take, what doctors you want to see, where you want to travel, what your budget is, what experience you've had with other friends and family and all the other things that are different about your life than his. No two people are the same, so basing your choice only on the premium is short sighted. It doesn't mean it's bad, it's just only a small part of the decision. I recommend using a local Medicare broker that can explain both Medigap plans and all the Advantage plans in your area.

Answered by Mark Bilgere on September 7, 2025

Broker Licensed in TX, AR, IN & LA, MN, NE & OK

Answered by Mark Bilgere Medicare Insurance Agent

Daniel Brechin · Answer

You always have a choice.  Medicare Advantage cover everything that is covered by Supplements.   In addition they cover eyeglasses, excerise programs, some cover transportation back and fourth to the Drs.   The biggest thing many today pay your part B premium up to 185.00 dollars per month back to you.   With Medicare Advantage plans you will have a copay for most everything.  There is a cap that run around 5000k. It does not say that is what you will, but a limit on how much you will spend in a given year.
Generally, Medicare supplements increase every year.   I have rewritten seniors that are paying $500-600 per month. These folks are paying a lot for something that can be obtained at no cost for you.

Norman Smith · Answer

Simply put you want to be in Control of your health, not rely on a VP in a corner office making the determination of whether or not your surgery is important enough to approve; That you want to know that you have the choice of the finest Doctors and Facilities in the country - that he cannot choose to go to unless he wants to pay out of pocket. You like to know wherever you travel, you have access to all doctors and facilities across the country and that you have no worries of who is in your network. He cannot go to the Cleveland Clinic or the Mayo Clinic. His insurance most likely won’t be accepted at a John’s Hopkins or Moffett. 
You get the top rated Practitioners instead of those who are willing to accept less pay, and longer wait times, as Medicare pays within 30 days, and the MA companies take 90-120 days to pay only if they coded right, or it could be longer. What top quality Medical Professional is going to accept that for too long? Also, you have no stress worrying if your plan will change each year or if your PCP will continue to accept your insurance. 
So don’t buy into what is “free” He still has Co-Pays, Deductibles, concerns on Maximum Out Of Pocket, and NO choice of physicians and facilities unless he wants to pay out of pocket. After all that, how much do you have to pay and lessen your regard for your health for your “Free”?!?!

Lt Col Tim Brown · Answer

I think that people like to get their healthcare differently than others.  I’m on Medicare Advantage and I like it.  There are advantages and disadvantages to both plans.  Learn those to learn what you like 
Lt Col Tim Brown

George Ibanez · Answer

Tell your neighbor that your plan is far better than his, and you have no copays and no networks and that his plan was a terrible choice, but he will find out when he get sick and needs to go to a hospital or require any type of services.
It sounds like you are the smart neighbor lol!

Pamela Masters · Answer

I always tell people that with a medigap plan you pay each month to protect yourself from a catastrophe. With a Medicare advantage plan you pay as you go. Also if you want to know exactly what you will be paying out each month and have a plan G or N it helps with budget. 
Medicare advantage can save you money if you don’t have a lot of specialists visits and hospital visits in a year. It’s really a personal preference.

Tony Capraro III · Answer

You tell your lovely neighbor that Medicare Advantage is not free. He may have, and they may have, a zero premium monthly payment for the Medicare Advantage, but they will also have copays, deductibles, and maximum out-of-pocket costs. In the state of New Hampshire, the out-of-pocket costs go anywhere from $4,500 to $9,500 a year. And that's every year.

What they should do, and what you should do, is work with someone like myself at State Farm. Both Medicare Advantage and Medigap, or Medicare supplement plans, decide which is best for you because both fit in certain situations. Don't put it off. Don't lose sleep over it. Work with someone like myself or these other fine folks on Medicare Agents Hub that can help you. I look forward to helping you. Thank you.

Clarence &quot;Mark&quot; Christiansen · Answer

We don't use the word "free" in this business. "Zero monthly plan premium" is another way to say it. Many Medicare Advantage plans have the $ 0 plan premium feature but there are copays and coinsurance responsibilities when it comes to Medicare Advantage plans. Lower health benefit utilization members are better served with Part C Medicare Advantage plans. A higher utilization member -- sick people or those who go to the doctor a lot -- should look at the supplements (Medigap plans). The bottom line is there is no "one size fits all" plan for Medicare eligible members. The best course of action will be to contact an experienced, independent Medicare broker for more insight. There is typically no cost to speak with an agent who will help you with this.

Answered by Clarence "Mark" Christiansen on October 13, 2025

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

Answered by Clarence "Mark" Christiansen Medicare Insurance Agent

Steven Litzsinger · Answer

Like most things, there are various opinions on which option is best. Just because a Medicare Advantage plan works for you, it doesn't mean that it is the right plan for me, my needs, my budget, and my goals. If your Medicare Advantage is working for you and meeting your needs, that is great news. I will keep the information you shared in mind in the future if I elect to explore other options outside of my Medigap policy.

Answered by Steven Litzsinger on June 8, 2026

Broker Licensed in MO, AL, FL & 8 other states

Answered by Steven Litzsinger Medicare Insurance Agent

Kerwyn Jones · Answer

Tell him everyone's situation is unique and until a full discovery and review is completed on the Medicare Beneficiary, it's not wose to recommend what's best for them.

Paul Potter · Answer

Everyone is different.  We all have different genes, needs, preferences etc.  Your neighbor does not tell you what food you like, what investments to make and more.  Tell them thank you for caring and your advice.

It is true that in Florida around 60% of people turning 65 get Medicare Advantage Plans, but that also means that around 30% get Medicare Advantage.

If you are uncertain about comparing options, I can provide a no obligation comparison specific to your needs and preferences.

Cody Biggs · Answer

I hear that a lot—and I usually say this: Medicare Advantage isn’t really free; it just has a different cost structure. You’re trading a low or $0 premium for copays, networks, and a higher risk of large out-of-pocket costs if you get seriously sick in limited situations, whereas a Medigap plan is about predictability, freedom to see any doctor that takes Medicare, and peace of mind. Neither is “right” for everyone—but paying for Medigap is a deliberate choice to control risk, not a crazy one.

Answered by Cody Biggs on December 14, 2025

Broker Licensed in LA, AL, AZ & 24 other states

Answered by Cody Biggs Medicare Insurance Agent

Andrew Firmin · Answer

Your neighbor thinks you're crazy for having a Medicare supplement plan when Medicare Advantage is free. Let's talk about this. Medicare Advantage is free? No, that's a fallacy. Nothing in life is free. Right now, it is true that you're paying more money upfront for a Medicare supplement or a Medigap plan. But when you look under the hood, when you understand how Medicare Advantage plans work, one, they're not free. There's zero premium. The money you're paying the federal government is basically being forwarded on to the Medicare Advantage company. So from that perspective, it's not free.

Additionally, Medicare Advantage, the way it works, you have cost sharing up to a maximum out-of-pocket or your ceiling. So when you go to the doctor, when you go to the hospital, when you have surgical procedures or other work done, you have a co-pay that is not free and can often be more expensive than a Medicare supplement plan. Because if you're frequently using care, if you are predisposed to routine and frequent care, multiple hospitalizations, your co-pays may add up to be more than what you might pay on a Medicare supplement plan.

Now, does that mean you should do it? Maybe. What is good for one person may not be good for another. You need to evaluate what your health coverage needs are and what your financial situation is because your situation is different than your neighbor's. So what is a good plan for your neighbor may not be a good plan for you.

What's important here is to understand what the different coverage options are that are available in your area. How much do they cost? What is the coverage? And for you to make a decision based off of what your health care needs are and what your financial situation is? I hope that helps. Until next time, have a great day and be well.

Michelle Sparks · Answer

When choosing between a Medicare Advantage Plan and a Medicare Supplement Plan (Medigap), there are no right or wrong answers. The best choice depends on each individual's financial and health needs.

Medicare Advantage Plans (also known as Part C) replace Original Medicare (Part A and Part B). Many of these plans offer additional benefits, such as coverage for prescription drugs, dental, vision, and hearing services. While some Medicare Advantage Plans have no extra monthly premium, individuals must continue to pay their Part B premium, which is $185 in 2025. These plans also feature a maximum out-of-pocket limit, which helps protect you from high costs if you are hospitalized or require expensive medical procedures. Most Medicare Advantage Plans are available as either PPOs (Preferred Provider Organizations) or HMOs (Health Maintenance Organizations). If you choose a Medicare Advantage Plan, you will need to use in-network providers. Be aware that there are copayments and coinsurance costs associated with these plans.

Medicare Supplements (or Medigap plans) work alongside Original Medicare (Parts A and B). Original Medicare typically covers 80% of medical expenses, while a Medicare Supplement plan covers the remaining 20%. When you choose a Medigap plan, you still need to pay your monthly Part B premium of $185 (in 2025), in addition to the monthly premium for the Medicare Supplement plan. Although the total of these premiums can add up, the only out-of-pocket expense is the one-time Part B deductible of $257 (for 2025). All other copayments and coinsurance are covered by your Medicare Supplement plan.

In summary:
- A Medicare Advantage Plan generally costs less each month, but you will incur copayments or coinsurance whenever you visit a doctor or undergo a procedure. This means you are paying for care as you receive it.
- A Medicare Supplement Plan has a higher monthly premium, but your medical expenses are known. This means you are paying for care in advance.

Mike Odle · Answer

It depends on what your situation is. For most people, the premiums they pay for a medigap plan will never equal out to the out of pocket that they would have on a Medicare Advantage plan. In my area in particular, once someone hits their mid-70s their annual premiums on a medigap plan will exceed the maximum out of pocket on an Advantage plan. Everyone's situation is different, but generally speaking most people waste money on medigaps

Answered by Mike Odle on April 6, 2026

Broker Licensed in IN & IL

Answered by Mike Odle Medicare Insurance Agent

Adam Ashby · Answer

Tell your neighbor that you have reviewed with your Medicare Broker your priorities. You have looked at your health needs, financial restrictions and personal preferences and you have selected what is best for you. If you made all these decisions on your own - I would suggest you review with a Broker to ensure all of your needs are being addressed, but once a complete review is done - it is none of your neighbors business.

Answered by Adam Ashby on January 20, 2026

Broker Licensed in CO, GA, IL & 6 other states

Answered by Adam Ashby Medicare Insurance Agent

Ryan George · Answer

Mind their own business!

Kidding... Not every plan, Supplement or Advantage, are right for everyone. Even spouses will have different plans. There is no right answer when it comes to Medicare in terms of one size fits all. It changes based on health, plans, needs, finances, location, etc.. Can even change based on years.

Eddie Tune · Answer

Medicare customers have options.... medicare advantage plans, or medigap plans, or neither, it depends on their location, doctors, and specific health conditions..... Each person should consult an experienced broker to help them choose the best plan for their situation... All, have benefits and costs that are different....

Answered by Eddie Tune on March 9, 2026

Broker Licensed in MO, AL, AR & 20 other states

Answered by Eddie Tune Medicare Insurance Agent

Ezel McIntee · Answer

You can explain that while Medicare Advantage plans may have low or $0 premiums, they often come with network restrictions, copays, and out-of-pocket limits that can add up. Medigap (Supplement) plans, on the other hand, provide more predictable coverage, letting you see any provider that accepts Medicare and helping protect you from unexpected medical bills — which can be worth the premium for peace of mind.

Answered by Ezel McIntee on October 30, 2025

Broker Licensed in OK

Answered by Ezel McIntee Medicare Insurance Agent

Mariela Arana · Answer

Neighbors, family and people in the community often have things to say about how we spend our money. The main thing is finding out if you require a Medigap plan or not? If you have conditions that require you to see multiple doctors and you need to be in various different medical groups, then that might be necessary. Medigap plans act like life insurance in the sense that you cannot be on them if you have certain conditions. So, when people know that they have serious health concerns many will stay on these plans. Remember that leaving a MediGap/Medicare Supplement plan can mean that you may not return to it. They do require underwriting. So, what a neighbor may have is good health. They may never experience a need and it could be just fine. However, each person is different. My job is to check all those variables. For some people, spending on something that is "free" seems crazy, but if they come to a place where a doctor will deny approvals to see specialists out of network, they may change their minds. It really comes down to what a person has medically going on. And further, what a person can handle comfortably paying. I check for both and see what makes the best sense. One thing that is good for one person, may definitely not work for the other. Our neighbors, friends and people in the community only see us from the outside, they do not know what medical conditions we have, what medications we take and many times what our finances can tolerate. These conversations are best had with a professional in which the confidence of private medical and financial areas can be openly discussed. One can never know, what condition a person has that might be private and not shared with others. So, a good assessment will determine that. My job is to really see for sure what makes sense, and trust me, nothing is crazy. It is all about assessing risk and doing what is right for each individual client.

Answered by Mariela Arana on March 30, 2026

Agent Licensed in CA, AL, AZ & 8 other states

Answered by Mariela Arana Medicare Insurance Agent

Joseph Meyers · Answer

I help folks in Michigan and after your initial enrollment into Medicare here, you will have to health qualify for Medigap (supplemental) plans. With our health, you never know what is around the corner. If serious health issues wiping out your savings is a concern... and it should be. Medigap plans are the safest option.

Answered by Joseph Meyers on April 7, 2025

Broker Licensed in MI, OH & TN

Answered by Joseph Meyers Medicare Insurance Agent

Michael White · Answer

Everyone is different and has different healthcare needs. For someone who wants to have flexibility and go to whatever Dr they want and not be bound by a network then they can visit any Dr, so long as that Dr accepts Medicare. Other people travel and having a Medicare supplement allows them to get coverage throughtout the US. Again, it is up to everyone and their personal lifestyle and healthcare needs. Both options can be good for you depending upon your needs and lifestyle.

Answered by Michael White on September 22, 2025

Broker Licensed in IN, AL, CO & 16 other states

Answered by Michael White Medicare Insurance Agent

Colleen Williams · Answer

Everyone's circumstances are different, along with their preferences and affordability as well. What works for one individual may not apply to what his or her neighbor has. This is why it's important to sit down with a licensed agent to review the plan/s that will work specifically for you.

Answered by Colleen Williams on May 20, 2025

Broker Licensed in PA, FL, MD & NJ

Answered by Colleen Williams Medicare Insurance Agent

Richard Pagano · Answer

In a nutshell, Medicare Advantage isn’t really free. It’s more like $0 monthly fee but you pay as you go.

- Advantage ($0 premium plans): cheaper each month, but copays add up when you get sick, and you usually have to stay in a network and follow plan rules.
- Medigap: costs more each month, but it covers most of the bills Medicare doesn’t, so your costs are more predictable, and you can usually see any doctor that takes Medicare.

Here's a couple questions to ask: “Would you rather pay a steady amount every month or gamble on big bills later? And, do you want the freedom to go to almost any doctor, or do you prefer to work within a predetermined network of doctors?”

Jose Ramos · Answer

Medicare Advantage looks free, but you pay as you use it—Medigap costs more upfront but can save money and headaches when you get sick.

JP Richardson · Answer

Medicare Plan options are not a one size fits all scenario.  Everyone has different needs and different requirements of their health plan.  What is right for them might not be right for you.

Alma Preciado · Answer

A Medigap plan also known as Supplement gives a person the liberty of going to any Primary Care Physician, Specialist, or Hospital that accepts Medicare without waiting for an authorization. Although, many Medicare Advantages have no monthly premiums, They are HMO's, which means you will be assigned a Primary Care Physician and must receive a referral and authorization to see a specialist.

Answered by Alma Preciado on January 5, 2026

Agent Licensed in CA

Answered by Alma Preciado Medicare Insurance Agent

Doug Dent · Answer

Anyone near Medicare age understands that "free" products oftentimes have the highest price tag.  

It is true that there is an abundance of "free" Medicare Advantage (MA) plans.  It is also true that many of these plans have deductibles, co-pays, co-insurance, and other out-of-pocket costs creating financial stress on patients.  

Unfortunately, most MA policyholders do not understand the full range of these costs until they need ongoing medical care.

The true cost of health plans are not only calculated in the premium, but is also calculated in the flexibility to quickly access specialized care when we need it the most.  

I have experienced numerous situations in my 41 years as a Medicare specialist in which a patient requiring specialized care had limited options because of the limitations offered by a "free" Medicare Advantage plan.

I have never had a Medicare supplement client covered by original Medicare denied access to a specialist.

Hank Ellis · Answer

Your Medigap plans allows you to go to any doctor in the US that accepts medicare, an advantage plan doesn't afford you that flexibilty, you must utilize a network of doctors. The advantage plan is receiving premiums from the Part A and B from the government.

Answered by Hank Ellis on August 21, 2025

Broker Licensed in WV

Answered by Hank Ellis Medicare Insurance Agent

William Lux · Answer

While it is true that many Medicare Advantage plans have a $0 dollar monthly premium, the term “free” can be misleading. Advantage plans have co-pays for covered services, so I think of them as being a kind of “pay as you go” system while Medigap plans pay the coinsurance amounts not covered by Medicare in exchange for a monthly premium.

Answered by William Lux on September 27, 2025

Broker Licensed in NM, AL, AR & 11 other states

Answered by William Lux Medicare Insurance Agent

Steven Bleicher · Answer

If you wish to turn the tables on him but remain his friend, I would tactfully say that “how can a Medigap be so popular for so long without it being a terrific choice?!” Apparently, he never got the message: “Nothing is free in this world!” Having a free of premium plan due to the Feds subsidizing it means that there is a “give and take”! Yes, you are taking on a free plan. But in exchange, you are acquiring a lifetime deductible in the area of $3,000.00 per year if you were ever hospitalized. Plus, with our global inflation now in effect, that amount is prone to an increase every single new calendar year! So, you are in the right!

Answered by Steven Bleicher on June 4, 2025

Broker Licensed in AZ

Answered by Steven Bleicher Medicare Insurance Agent

Andrew Zurbuch, MBA · Answer

The Medicare Advantage have out of pocket costs to the Medicare Beneficiary. Copays &/or a coinsurance. Could be 20% out of pocket. 

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.

Diana Garner · Answer

First, no matter what kind of insurance you are discussing, insurance is not a one-size-fits-all topic.  

Medicare Advantage plans are not for everyone one and neither are Medicare Supplements.

Most Medicare Advantage plans have little to no premium, which is true, but you do have out-of-pocket expenses, such as co-pays for services and medications specified in the plan documents.

Steve Houchens · Answer

To start with Advantage plan aren’t free, they may be zero premium to you but they are subsidized by the government so technically not free. The big thing for you to understand the difference in coverage. Where as with a Medicare Supplement depending on your plan you may be out no more than the annual part B deductible which is $288 per year at this point and you can see any doctor that excepts Medicare , which is about 98% of doctors and you can go anywhere in the US, but you will have a monthly premium to pay plus you will need to ad a Prescription Drug Plan and dental and vision if you need those. With advantage plans you will have co-pays and possible deductibles and you could have out of pocket maximum from as few thousand up to possibly $9000 or more, but your Perscription drug plan is built in as well as dental and vision and possibly other benefits. There are pros and cons to each type of coverage and the best way to determine which is best for you would be to sit down with a qualified agent and compare then make your choice.

Answered by Steve Houchens on June 1, 2026

Agent Licensed in KY & TN

Answered by Steve Houchens Medicare Insurance Agent

Timothy Brown · Answer

There is no such thing as “free” Medicare Advantage. There are plans that have a $0 monthly premium but unless a person has full Medicaid benefits, they will be subject to copays and/or coinsurance for services beyond a primary care visit.

Answered by Timothy Brown on June 20, 2025

Broker Licensed in PA, CT, DE & 15 other states

Answered by Timothy Brown Medicare Insurance Agent

Kristen Skinner · Answer

Tell him that your plan is a "pay up front, pay less later plan." And this is what you have chosen. An Advantage plan just costs more if you are hospitalized . It is your choice.

Michael Pyers · Answer

Some of the differences between Medigap and Medicare Advantage are: Medigap plans are more flexible than Advantage Plans. Advantage plans have limited networks of providers and many services require authorization. Example - if you go in the hospital with an Advantage Plan you will have a copay and a very large out of pocket expense.

Answered by Michael Pyers on July 3, 2025

Broker Licensed in OH & MI

Answered by Michael Pyers Medicare Insurance Agent

Frank Carta · Answer

That is an intelligent question, and I would like to text you the answer, but I am not very good

at texting. You do have the option to contact me if you choose, and I would be honored to

communicate with you if you do. Who knows, we might just have a valuable conversation.

Priscilla Ramos · Answer

You can say:

Medicare Advantage may have low or $0 premiums, but Medigap gives more predictable costs and lets me see any doctor. It’s about the coverage that works best for me, not just the monthly price.

James Stang · Answer

Medigap plans offer the ability to see any doctor that accepts Medicare without any networks. You also have no co-pays when you access services. Medigap plans might not be right for everyone but they do have advantages.

Answered by James Stang on June 3, 2025

Agent Licensed in OH

Answered by James Stang Medicare Insurance Agent

Dana Dane · Answer

Ask them if they can seek treatment (other than an emergency) with any doctor/hospital/facility nationwide that accepts Medicare. Ask them what their annual maximum out-of-pocket is in-network and out-of-network? Ask them if their plan changes from year to year.

Answered by Dana Dane on April 14, 2025

Agent Licensed in OR, AZ, CA & 6 other states

Answered by Dana Dane Medicare Insurance Agent

Steven A James, MBA · Answer

Your neighbor may have some validation for his comments.  Here in Washington State, Med Supp F is approximately $300/mo.  Adding the preferred Prescription Drug Plan could add another $110/mo in premiums.

Thus, if one is very healthy and confident in their future health, the Medicare Advantage Plan (MAPD) is a great option as it is a full comprehensive medical plan with the necessary prescription drug plan, but at little or no monthly premium.

And oh, nothing is "free".  The MAPD is funded by the insurance company receiving your Medicare $.  To entice a Medicare beneficiary to enroll, the plans offer many features and benefits not available from Medicare alone, such as vision, dental, fitness membership, hearing aids, and more.

In the end, plan determination is also based upon your current "service area" or county in which you reside.  If MAPD is available, great, you have that option.  If no, then the Med Supp/PDP is your only option other than Medicare only.

Steven A James, MBA
Contact me.

Terry Salak · Answer

What may work for your neighbor may not be what's best for you. Every person needs to review their options and chose what they feel is going to be best for them. Make sure you work with an agent who will take the time to explain the pros/cons of both so that you are making a well-educated decision for yourself.

Answered by Terry Salak on February 27, 2026

Agent Licensed in FL, AL, AZ & 11 other states

Answered by Terry Salak Medicare Insurance Agent

Robert Baez · Answer

You shouldn't tell your neighbor anything.  Reach out to me so we can do a review and find the right plan for you.

Marnie Applegate · Answer

It really depends on whether or not you want to adhere to a network of doctors or be able to see any doctor you wish. With Medicare advantage plans you also have to adhere to preapprovals of procedures by the carrier and potentially referrals to see specialists with some carriers There are some good reasons to consider a Medicare advantage plan because you have ancillary benefits like dental vision hearing over-the-counter benefits. It really is something that you need to review with an agent so that agent can show you all of the benefits that a Medigap plan offers a Medicare advantage plan.

Answered by Marnie Applegate on October 1, 2025

Agent Licensed in TN, AL, GA & TX

Answered by Marnie Applegate Medicare Insurance Agent

Betty McCarty · Answer

Tell your neighbor that Medicare Advantage isn’t free. Your neighbor is just paying later instead of paying upfront.

Here is a quick breakdown: 

1. Medigap = Pay Now, Predictable Later
You pay a premium so you don’t get surprise bills.  You can see any doctor in the country who takes Medicare, no referrals, no networks, no drama.

2. Medicare Advantage = Pay Little Now, Pay When You Use Care
Tell your neighbor: Your plan may be $0, but every visit, test, scan, hospital stay, or procedure has a copay — and those add up fast. Plus you’re limited to the plan’s network. I can go anywhere that accepts Medicare. 

3. The Big Difference: Risk
Tell your neighbor you're choosing to pay for predictability. You’re choosing to pay when something happens. Neither is crazy — they’re just different risk styles.

4. The Out of Pocket Reality
Let your neighbor know your plan can charge you approximately $8,850 a year in medical bills. My Medigap plan keeps my costs close to zero.

5. Freedom to Travel
Let them know If I’m in Arizona, Florida, or anywhere else, my coverage works exactly the same. No networks, no prior authorizations, no surprises.

Frank Woerner · Answer

While it's true Medicare Advantage plans frequently have a low or even $0 monthly premium, it doesn't mean it's free. Medigap plans have an "upfront" monthly premium which allows you to use any doctor or hospital that accepts Medicare. "No networks". Advantage plans have networks and are subject to the member paying co-pays, co-insurance and perhaps other expenses when they use the medical services. Something to consider.

Answered by Frank Woerner on June 1, 2026

Broker Licensed in IN & IL

Answered by Frank Woerner Medicare Insurance Agent

Kelly Linster · Answer

It’s a matter of personal preference. Free as in premium free doesn’t mean free when needing health care. You pay for what you get. You have very robust coverage with Medigap plan. Fortunately, you pay a premium to usually have very little costs when you need health care. One shoe doesn’t fit all!!

Answered by Kelly Linster on May 19, 2025

Agent Licensed in ND, AZ, CO, IA & SD

Answered by Kelly Linster Medicare Insurance Agent

Satoshi Aoki · Answer

2 types of coverage have advantages and disadvantages:

Medigap:
Higher monthly premiums, but allows you to use any doctor or hospital nationwide that accepts Medicare. Out-of-pocket costs are generally low and predictable. Prescription drug coverage and extra benefits (such as dental or vision) are not included and require separate plans.

Medicare Advantage:
Lower or sometimes zero monthly premiums, and plans include extra benefits such as dental, vision, hearing, and prescription drug coverage(but not every plan). However, you are limited to network providers in your local area, and sometimes doctors or facilities decide to discontinue, and the plan details can change each year.

Michael Wallner · Answer

It is true that Premiums for most Medigap Plans are higher than the premiums for most Medicare Advantage Plans. However, a few of the advantages of having a Medigap Plan are:

- Essentially an unlimited Network. You are able to seek care from any Provider that participates with Traditional Medicare anywhere in the country. 
- Minimal to Zero out-of-pocket expense. Most Medigap plans cover all or the majority of any out-of-pocket expense related to Co-pays, Co-insurance and deductibles. 
- Medigap Plan benefits do not change. Medicare Advantage Plan Benefits and Networks are constantly changing.

Jason Vallejos · Answer

If you see a network of specialists and primary physician, your neighbor may be right? Ask your physicians if they belong to a medical group or physician network, if they belong to the same group, you may want to consider a Medicare Advantage Plan.

Answered by Jason Vallejos on May 18, 2026

Broker Licensed in CA, AZ, CO & 17 other states

Answered by Jason Vallejos Medicare Insurance Agent

Shalonda Cave · Answer

The decision regarding your medical coverage depends on your medical history. If you receive monthly or biweekly vaccinations at your doctor’s office, it is advisable to continue your Medigap plan. However, in light of the potential upcoming changes this year, it is recommended to compare both options and determine which one will result in cost savings in the long term.

Answered by Shalonda Cave on August 11, 2025

Agent Licensed in OH, AZ & FL

Answered by Shalonda Cave Medicare Insurance Agent

Jeffrey Greenberg · Answer

Medicare advantage plans have MANY co pays and out of pocket expenses, plus the dr networks are limited

Dee Ethridge · Answer

There are different types of coverage. One single type of plan doesn't necessarily fit everybody with their individual situation. That is why different types of plans are offered. You have to find the type of coverage and plan that fits your individual needs the best.

Answered by Dee Ethridge on October 5, 2025

Agent Licensed in FL, AL, GA, ND & SC

Answered by Dee Ethridge Medicare Insurance Agent

Kim Humphries · Answer

Medicare Advantage is not "free", it is "pay as you go" and in some areas there are premiums for Advantage plans. Supplement is pay every month whether you use it or not. Its a personal preference really. There are as many opinions as there are people. Tell your neighbor that Medicare is not "one size fits all", it is very personalized to each person and their medical conditions, income levels, zip code and various other things to take into consideration. Some people feel like supplement is better because you stay on original Medicare and do not have to worry about networks and what the plans are doing from year to year; but not everyone can afford those plans. Its a very personal decision for each person. Kim H.

Answered by Kim Humphries on December 15, 2025

Broker Licensed in FL & IN

Answered by Kim Humphries Medicare Insurance Agent

Nickey Baxter · Answer

There are many Medicare Advantage plans that have zero cost. They also have to include all of the benefits of Original Medicare, but they also have additional benefits that are convenient to customers who may need vision coverage, dental coverage or hearing benefits. 

Medigap plans have set out of pocket expenses, but are more costly monthly. I would suggest you speak with a professional, like me, who can explain the differences and let you make your own informed decision.

Nancy Suozzi-Vidal · Answer

An individual’s current health conditions, budget, doctors, Rx as well as many other unique factors come into play when deciding the type of Medicare plan. For example, a consumer who can afford a supplement Plan G (Medigap), may want the travel benefits or just the ease of setting and forgetting. That certainly does not mean this consumer would not save money with a Medicare Advantage plan. 

I don’t agree with the statement that MA plans are “free.”  You may likely find a $0 or low premium MA plan. Unlike the Supplement G, there are OOP costs by service with some exceptions for PCP visits and preventative services. 

Supplement plans are your traditional risk model for insurance where you pay a high premium monthly for services you may or may not receive. Our government created Medicare Advantage plans as an alternative to that model in 2006. 

Other factors are high utilization of services as well as if you reside in a state that does or does not have underwriting for Medicare Supplement plans. Another consideration is that Supplement plans do not include Part D, dental or vision which are added costs in addition to your high premium monthly. 

In NY and CT, for instance, there is no underwriting for Supplement plans,therefore, there is more incentive to save money by enrolling in a MA plan initially. This means that when you become more in need of health services, you will not be charged more for existing health conditions when you switch. 

There are considerations, of course, whether a consumer qualifies for a subsidy or Medicaid. In the case of Medicaid, sale of a Supplement plan is prohibited and unnecessary. 

Selecting your Medicare plan is based and individual needs, preferences and resources. This is why I educate, research, review and compare all options so the consumer can decide what plan is best for them at that time.

John Lopez · Answer

The major differences between Medigap and Medicare Advantage have to with cost, coverage, and change. With a Medigap Plan, there is a larger monthly premium and most subscribers will be responsible for the annual part B deductible. Coverage with a Medigap plan is restricted to medical expenses only. Medicare Advantage plans can include other services, like dental, vision and hearing coverage, as well as value added benefits, such as gym memberships. With a Medigap policy, there is very little change (other than any policy rate increase). Your primary coverage is Medicare. There is a potential for more change with a Medicare Advantage plan, especially with approved providers in the HMO or PPO network.

Answered by John Lopez on May 19, 2025

Broker Licensed in DE, MD, NC, NJ, NY & PA

Answered by John Lopez Medicare Insurance Agent

Carlos Rodriguez · Answer

You can tell your neighbor that while Medicare Advantage often has a $0 premium, "free" doesn't mean "no cost." Here is the simplest way to explain the difference:
Medicare Advantage (Part C): Usually has lower monthly premiums but requires copays when you actually see a doctor and often limits you to a specific network of providers.
Medigap (Supplement): You pay a higher monthly premium upfront, but it covers almost all your out-of-pocket costs and allows you to see any doctor in the U.S. that accepts Medicare.
The Bottom Line: You are paying for predictable costs and total freedom of choice, while he is choosing lower monthly costs in exchange for potential fees and network restrictions later.

Natalie Kelly · Answer

There is not one plan that fits all. We're all different in our medical needs and financial security.

Alan Gudis · Answer

I would tell him that it is not free. Even though the premium may be $0, there are still co-pays. Most plans have an MOOP (Maximum Out-of-Pocket) limit for the year of $ 7,500 to $10,000. Therefore, it could potentially cost a significant amount.

Answered by Alan Gudis on October 20, 2025

Broker Licensed in NJ, AZ, DE, FL & PA

Answered by Alan Gudis Medicare Insurance Agent

Fred Manas · Answer

Medicare provides multiple choices from which to choose. The selection process is tailored to the clients needs and wants. Medicare also allows, through certain rules and time periods, for a subscriber to switch from one program to another.

Answered by Fred Manas on April 17, 2025

Agent Licensed in NY, CT, DC & 7 other states

Answered by Fred Manas Medicare Insurance Agent

Vachik Chakhbazian · Answer

Medicare Advantage plans may have lower or no monthly premiums, they often come with higher out-of-pocket costs like copays, coinsurance, and deductibles, as well as network restrictions. Medigap, on the other hand, has higher premiums but generally offers more predictable costs and the freedom to see any doctor who accepts Medicare. Ultimately, the best choice depends on individual needs and healthcare utilization patterns.

Answered by Vachik Chakhbazian on August 8, 2025

Agent Licensed in CA, AL, AR & 22 other states

Answered by Vachik Chakhbazian Medicare Insurance Agent

Gary Henderson · Answer

When your neighbor gets seriously ill, your neighbor is going to have extremely costly medical bills because those Medicare advantage plans have a high Max out of pocket 
You on the other hand with a Medigap policy will pay nothing 
Medigap policies give you peace of mind and you can go anywhere you wish to to see a doctor or hospital because they're accepted everywhere 
Your neighbor's Medicare advantage plan, however, is limited to the network that they must go to even more restrictive if it's an HMO 
You've made the better choice

Andrew Kramer · Answer

This is not an easy question to answer because Medicare Advantage plans vary from state to state and county to county. And the cost of Medigap plans also vary in the same way, as do Dr networks on Advantage plans.

Answered by Andrew Kramer on November 14, 2025

Agent Licensed in FL

Answered by Andrew Kramer Medicare Insurance Agent

Meghan Blankenship · Answer

It's not crazy - it's just a different kind of coverage. Medigap and Medicare Advantage work very differently, and I chose what fits my best.

Jennifer Kalbach · Answer

Everyone needs to make the best decision for themselves. Medicare Advantage may not have a premium but the do have costs associated with services where as a Medi Gap Plan G, for example, only has the cost for the deductible for Part B as an out of pocket cost. MA plans are a pay as you go plan where a Medicare Supplement is more comprehensive.

Answered by Jennifer Kalbach on December 23, 2025

Agent Licensed in KY

Answered by Jennifer Kalbach Medicare Insurance Agent

Andrew Kelly · Answer

Medigap plans ensure that you know "exactly" what your out-of-pocket costs will be each year, and you get to see any doctor in America who accepts Medicare. Medicare Advantage may have a zero-premium plan, but they also are likely to have a significant "maximum annual out of pocket expense" that could range from $7000 to $10000. There are pros/cons to both approaches, but many clients prefer the security and flexibility of their Medigap plan

Answered by Andrew Kelly on June 10, 2025

Agent Licensed in WA & OR

Answered by Andrew Kelly Medicare Insurance Agent

Mel Stevens · Answer

Medigap plans are great for someone like my sister. She and her husband are snowbirds and live in one state half of the year and in another the other half of the year. She has been fighting cancer for a long time and needs consistent care every three weeks. The medigap plan offers the national coverage she need without any hassle. The downside is the medigap plan is more expensive overall because dental, vision and everything else is out of pocket unlike the Medicare Advantage plan which offers those types of benefits within the plan itself. However, the medigap works well for many people.

Answered by Mel Stevens on December 20, 2025

Broker Licensed in AZ

Answered by Mel Stevens Medicare Insurance Agent

Charles Borg · Answer

He’s wrong. His Medicare Advantage plan has many restrictions that your plan doesn’t. He needs referrals from his primary care doctor before he can see any specialists, and only those that are in list of participating doctors. You don’t have that. You can see any physician who is taking new patients without a referral. No restricted list like in an Advantage plan.

Answered by Charles Borg on June 9, 2025

Agent Licensed in FL & NY

Answered by Charles Borg Medicare Insurance Agent

Sam Silva · Answer

You can tell your neighbor that while Medicare Advantage often has a $0 premium, "free" doesn't mean "no cost." Here is the simplest way to explain the difference:

Medicare Advantage (Part C): Usually has lower monthly premiums but requires copays when you actually see a doctor and often limits you to a specific network of providers.

Medigap (Supplement): You pay a higher monthly premium upfront, but it covers almost all your out-of-pocket costs and allows you to see any doctor in the U.S. that accepts Medicare.

The Bottom Line: You are paying for predictable costs and total freedom of choice, while he is choosing lower monthly costs in exchange for potential fees and network restrictions later.

Brent Mowery · Answer

I assume your neighbor is NOT a licensed agent...

There is no such thing as "free insurance". Although many Advantage Plans (Part C) do not have a monthly premium, national trends show that many "benefits" are being cut, and about 2 million people will lose their coverage in 2026. 

This is a real problem if you are sick and on an Advantage Plan. 

You are naive to believe that there is free health coverage, as costs are skyrocketing. I would love to speak with you. Contact me.. Thank you

Robert Remin · Answer

Robert Remin, expert Medicare plan advisor, licensed and certified by Medicare and the carriers who represent New York, New Jersey, Connecticut, and Florida. Your neighbor is misinformed. A Medicare Advantage plan might have zero premium, but you have a copay every time you go to the doctor and additional copays if you need things such as a hospital stay, MRI, CAT scans, and things like that. That is not to say a Medicare Advantage plan will not work well for many people, which it does, as I have lots and lots of clients on zero premium Medicare Advantage plans, and they are very happy with them. The point is you should work with a professional to assist you in deciding which plan will be most appropriate for your specific circumstances. Again, to reach me,

Natalee Nimmo · Answer

Wow! This is a loaded question. First of all, I would simply agree to disagree with him and drop it. He has his mind made up and no one is going to change it. However, when he gets ill and starts to receive the bills he will certainly think otherwise. 
Just know you made the Best choice and when your health starts to decline, you will be grateful that you made the choice you did. Plus, you have No networks and a very low max out of pocket. Take solace that you made the choice that secures your health coverage now and in the future.

Earl Beck · Answer

Some Medicare Advantage plans have a $0 monthly premium.  Other plans do have a monthly premium. It al depends on what plan you go with in your area. Medigap plans always have a much higher monthly premium, depending on the "letter" of the plan you choose. Medicare Advantage plans have networks.  Medigap plans don't have networks.  You can go to any doctor you want with a Medigap plan. However no Rx Drug coverage with a Medigap plan. Need a stand alone Rx Drug plan. Another monthly premium.

Otisha Newton · Answer

You can tell your neighbor this:

“Medigap and Medicare Advantage aren’t the same thing at all. With my Medigap plan, I can see any doctor in the country that takes Medicare, and I don’t have to worry about networks, referrals, or surprise medical bills. Sure, I pay a monthly premium — but it gives me peace of mind knowing most of my costs are covered.

Those $0 Medicare Advantage plans might sound ‘free,’ but they usually come with copays, network limits, and prior authorizations. You still pay your Part B premium either way. So for me, paying a little more each month is worth it to have the freedom and predictability I want in my coverage.”

It’s not about being crazy — it’s about choosing what works best for your peace of mind and healthcare needs.

Tonya Mowan · Answer

Your needs are different from your neighbors. What works for one person may not work for someone else. It is important that you talk to a licensed agent to discover the best options for your situation and needs. This is the best way to make an informed decision on your specific options.

Donald Baker · Answer

My best advice is contact a trusted advisor to go over their particular situation including overall health and medical needs. Both type of plans have unique benefits and the individual needs to pick the correct one that fits their situation.

Judi Norton · Answer

All Medicare Advantage Plans are not "free."  They all have copays.  It is pay as you go and you will need to meet the Maximum out-of-pocket before the plan pays all the costs.   If you spend little time at the doctors, a Medicare Advantage works well.  But, if you have health issues and are required to attend a physician on a regular basis, Medigaps are a better choice.  Also, if you start with a Medicare Advantage Plan, and you have a rather serious health condition come up, you may not qualify for a Medigap later on.  Medigap plans travel well in that any place that Medicare is accepted, you can go.  It even moves with you from State to State.  Medicare Advantage Plans have to be changed; i.e., zip code change.  Each individual is different and needs to be fit for that individual.  Neighbors don't always know all the circumstances surrounding an individual.

Matthew Moreno · Answer

Theres pros and cons to each one. You tend to prefer a more open network and no prior authorization requirement for medicare. As long as a doctor accepts medicare they accept you're plan. More doctors tend to accept medicare than a Medicare Advantage Plan.

Hector Vazquez · Answer

You are not crazy, every person has different needs, priorities and budgets. Free doesn't mean best or always better. Free is actually never "Free" because we all have been paying Medicare taxes from the very first moment we started working in the US. 

It is wise to consider an Advantage but never make your decision based on someone else's perspective or ideology.

Chris Prang · Answer

My initial response is to tell them their extremely misinformed and naïve, but that won’t get you anywhere with them. 

First, what is right or works well for one person does not mean it’s going to work well for another person. Medicare Advantage does truly work well for many people, but certainly not all. 

There’s no such thing as truly “free” Medicare Advantage plan. You can get pretty close if you have a good Part B giveback, and a low MOOP (max out-of-pocket), but that’s a small percentage of MA plans. You can also be close to “free” if you have Medicaid and Medicaid is paying the deductibles, copays, and coinsurance. 

So, ask them what their MOOP is? The MOOP is their Financial Risk Exposure... the most that they will have to pay out of their own pocket in a calendar year. The average MA plan has a MOOP of around $5,400 per year.

Let’s suppose you have a Medicare Supplement Plan G, and you are paying $200 per month for it or $2,400 per year. Add in your Part B deductible of $257 and say a Part D drug plan for $25 per month or $300 per year, and now you have a grand total of $2,957 out-of-pocket for the year. So, your Financial Risk Exposure is $2,957 for the year and theirs is $5,400...$2,443 less than theirs. 

Now ask him which of you is closer to being “free.” 

Next, ask them if they are “free” to see any provider of their choosing. Odds are, they can’t... unless they have a Passive PPO... and there’s not that many of those around. Then let them know with your Medicare Supplement you are “free” to choose any provider that takes Medicare Assignment...  which is 95-98% of them. 

And lastly, ask them if they are “free” to have any Medicare approved procedure. If they don’t know, then inform them, that they are not “free” to have any Medicare approved procedure and could be subject to Prior Approvals and benefit denials at a far greater rate than Original Medicare and your Medicare Supplement. 

That’s what I would tell them or ask them. 

Regards,

Chris Prang

Akia Alexis · Answer

Nothing is ever free. But honestly , it's an individual decision on whether to have a Medigap or Medicare Advantage Plan. You have some responsibility of costs either way.

Gina Pranzitelli · Answer

Medicare Advantage is not "free"! MA definitely has lower premiums, but depending on your situations, there is a medical deductible, medications deductible and annual out of pocket costs you would be responsible for. Medicare offers several different avenues for healthcare, not everyone needs the same kind of coverage and therefore there are options to choose from. I would suggest getting with your agent to go over all your options and to see what fits your needs.

Curtis Stoner · Answer

Everyone had their own needs when it comes to Medicare. An advantage plan may work best for your neighbor but that doesn’t necessarily mean it will be your best option.  My best advice is to educate yourself on how they work or meet with a broker who can explain differences between a medigap and an advantage plan

Kelly Anderson · Answer

Every circumstance is different and working with a licensed Agent can find the best solutions for you. While many Medicare Advantage plans have $0 monthly premiums, Medigap plans often offer more freedom to see any doctor and more predictable costs - although requiring higher monthly premiums.

Mitchell Nunn · Answer

Medicare, like many other things in retirement, is not a one size fits all solution. Each person needs to look at their specific situation and the ALL the options available in order to make the best decision for them and their family.

Rachel Gauthier · Answer

Nothing in life is free; even Medicare Advantage plans have costs associated with them.  I shareis  with everyone there is no one size fits all type of medical plan and when it comes to Medicare that is even more important.  Remember, Medicare is your government healthcare for the rest of your life and there are many important factors to consider.  With all that said, your neighbor and you may have very different personal needs.  I recommend consulting with a licensed insurance agent that specializes in Medicare benefits.

Sarah Frome · Answer

Although there is a low front end cost for Medicare Advantage, there are copays for services that can add up if you have a catastrophic year including surgeries/hospital stays.

Jason York · Answer

Id say the word free is objective. Everyone has different needs. A lot of the time a supplement can wind up being cheaper than an advantage after all the copays and out of pocket cost are tallied up.

Justin Hundley · Answer

The truth is that there are advantages and disadvantages to both products. While Medicare advantage can often have $0 to very low monthly premiums, it is accompanied by potential out of pocket costs such as copays or coinsurance. A Medicare supplement typically has higher premiums, but often results in much less out of pocket when going to the doctor or into a hospital. 

The best advice I can offer is to schedule a time to speak to a licensed Medicare agent so that they can review your situation and help you determine which product would work best for you.

Adam Richter · Answer

Plan selection is a very personalized decision. What is right for one person might not be suitable for another. Always consult a licensed insurance professional for assistance.

Elijah Ridley · Answer

The difference between Medigap and Medicare Advantage is the difference between convenience or bang for your buck. With a Medigap plan, you're not stuck going to any specific Dr as you can go anywhere that accepts Original Medicare. Not only freedom, but you don't have to "pay as you go" since you don't have copays, or deductibles other than your Part B. You have a lot more freedom, as well as can have a better understanding of your medical budget since you have have to pay out of pocket for most of your medical care.

Maxine Rosen · Answer

You may have a nice neighbor but if you take medical advice from that person.. you could do yourself a lot of harm.   The biggest misconception is that "Medicare" is free.  No - it is not.  Every month people either pay into Social Security, or it comes out of their Social Security income for the Part B cost.  

That is the first thing.

Then, a Medicare Advantage Plan typically has a $0 premium.  But you pay for services as you use them.  You may have a plan where you MUST stay in-network, or you might have one where you can go out-of-network. You must consider personal needs and choices and based on where you live.

A Medigap Plan gives you the peace of mind of knowing what your medical costs will be.  You have a monthly premium - but you will then not be stuck to a network and can go anywhere for care as long as the provider accepts Medicare.  

Finally, along with a Medigap Plan, you should have a separate Prescription Drug Plan. Because a Medigap Plan does NOT have Drug Coverage included.

Terri Curcio · Answer

Medicare allows a person to chose which type of plan works best for them both financially while providing access to their preferred providers.   For my clients, if he or she has an ongoing rather costly illness, I suggest trying a Medicare Gap plan w/a stand alone RX plan if he or she can afford it, when he or she first turns 65 or is eligible for Medicare.   Knowing, that if a Medicare Gap policy becomes to expensive - a Medicare Advantage is always a later option w/no underwriting.  The Medicare Advantage plans have been on the market for 20 years, very robust networks - and can provide coverage nationally with certain insurance carriers.   The RX coverage is usually richer on a Medicare Advantage plan than a stand alone RX plan.    
If your monthly Medicare Gap premium is more than a Medicare Advantage plan medical out-of-pocket max., you might be over paying.  
Try a Medicare Advantage plan for a year, per the Medicare guidelines - you can  for up to 12 months and then go back to your Medicare Gap w/out underwriting - only one time, to try it.  
Medicare Advantage plans are similar to group plans…mostly copays for services w/a few having percentages owed by the member.  But, since you have an out-of-pocket maximum for both medical services and pharmacy -  your out-of-pocket exposure is know according to the plan you select.  Knowing and understanding your financial exposure is key to having the plan that works best for you!

Sean Krause · Answer

I’d tell him that one size doesnt fit all. That your needs may be different than his. Thats why there’s both kinds of plans.

Denise Berg · Answer

I'd reply to your friend with a Medicare Advantage plan by saying: With a Medigap plan, you're free from copays at the doctors and specialists office, and depending on which Medigap plan you have, you don't have to worry about out of pocket costs for hospitalizations.

Rick Ried · Answer

Medigap provides very comprehensive coverage for medical care.  It does not provide dental,vision, hearing or prescription drugs.   These coverages must be purchased separately.   

This leads to medigap plans being expensive in comparison to Medicare advantage plans that often cover these items at little to no additional cost.

Both are viable ways to access your Medicare benefits.

Aaron Green · Answer

Supplements and Medicare Advantage are equally beneficial.  It’s a matter of individual need and budgeting preference.  Simply put, a supplement incurs a monthly premium in exchange for coverage of copays and coinsurances relative to the given letter plan.  Some Advantage plans do not have monthly premiums in exchange that you do have to pay set copays and coinsurances.  In most cases there is a dental, vision and hearing benefit associated with Advantage plans that are not covered by supplements.

Eileen Falk · Answer

You could advise this neighbor that your doctors don't participate within the Advantage Plan and that you prefer not having to search for new doctors, or, that you prefer "freedom of choice" and like what you have.

Kerry Fletcher · Answer

In reality, it's a preference and depends on a few factors. 1st Medicare advantage may have a $0.00 monthly premium for the plan itself, but in both cases, you "may" (depending on the plan) still have to pay your Medicare Part-B Premium.... So NO, it's not "free".

2nd. With Medigap or Med. Supp, there are fewer pre-authorization hiccups, which can speed up service. Medicare Advantage plans often require prior authorization for surgeries or specialist visits, which can lead to denials or delays in care. With Medigap, you have fewer administrative hurdles. 

3rd. Financial Predictability. Medigap plans (especially Plan G) are designed so you know exactly what your out-of-pocket costs will be—usually just the yearly Part B deductible. Medicare Advantage plans have a maximum out-of-pocket limit that can be as high as $9,250+ per year (in 2026). 

Medicare Advantage plans often have $0 premiums, but you pay for services through copays and coinsurance (If they apply) when you actually use them. If you get sick or need regular care, those costs can easily exceed the cost of a Medigap premium. Medigap is "pay in advance" (you pay a higher premium, but you have lower or no costs at the doctor). 

If you do decide to get a Medicare Advantage Plan, it may be a wise decision to drop your Medigap plan because you will be paying for coverage that you do not need.

Our licensed professionals are always here to help for FREE.

Collin McCoy · Answer

Yes my premium may be more but I don't have to worry about copays at the doctor office like I would with a Medicare Advantage plan. I also dont have to worry about a network of doctors like I would with an advantage plan.

Katie Wik · Answer

You aren't crazy first of all, and it's a great question which most people have. There are different variables to Advantage vs. Medigap. 1.) Cost, what can you afford for a premium every month? 2.) what are your health costs currently, or possibly in the future? 3.) ONE A LOT DON'T KNOW ABOUT... do you like having the freedom of choosing your providers?? If you use some/ most (depending on your area) Advantage plans, you don't have the luxury of picking and choosing who you see, even specialists. Your primary is the "gatekeeper" to your health, and you can't pick and choose. this could be huge to some people to not have a choice of providers, networks, hospitals, ect...4.) Dental and vision aren't typically included in Medigap as it's more of an "a la' carte' type of situation. Sometimes dental and vision can be included with Medicare Advantage policies, but it SEVERLY depends on the area that you live in, not to mention, a lot of Medicare Advantage plans you have to set up your care through a third party to even get covered. 5.) Those are the major 4, I can think about, but there are more deciding factors as well.

Cyle Gillman · Answer

Essentially it’s not a matter of whether you’re paying or not, it’s how you’re paying. 

Supplement plans come with monthly premiums, but depending on the plan you have, your additional costs throughout the year are very easy to predict. 

With advantage plans, most don’t have an additional premium, but you pay as you see doctors, get treatment, are hospitalized, etc. 

Most of the time, it comes down to how you want to pay for your coverage and what you’re most comfortable with. 

Second to that, you’ll want to verify you have coverage for the medications you’re taking, by reviewing your plans formulary; whether you’re using an advantage or standalone part d plan. 

Unless an advantage plan has a part B giveback, or you qualify for other assistance in paying for part B, you’re not going to avoid that monthly premiums; so essentially no coverage is free.

Tom Perrucci · Answer

Advantage Plans are not free, there are copays , coinsurances when you utilize the services. What you pay for a plan is only one aspect, there are other things to consider. Your coverage, your doctors, network, your health, risk personality as well as your budget.

Janelle Rider · Answer

Each type of plan has serves its own purposes. There is no one size fits all. 

Choosing either a medigap plan or a mapd plan comes down to the needs of the consumer and their budget.

To truly make an educated choice is to review both options; there will be a cost somewhere. You pay upfront for the plan or pay medical expenses as you go. That's not the only thing to consider however; so, sitting with a knowledgeable broker can help you decide.

Kerry Clapper · Answer

My go to quote when a client asks me this question is, "I am going to help do what is best for you, not your neighbor and vice versa." Everyone views their health, budget and needs differently. So, when I am helping a client decide on which Medicare product to go with, I ask what their needs and wants are. 
Therefore, you are not "crazy" for paying for a Medigap plan just like your neighbor is not "crazy" for enrolling in a Medicare Advantage plan that doesn't cost anything. Do what is best for you.