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

Answered by 4 licensed agents

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 & TN

Answered by Joseph Meyers Medicare Insurance Agent
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.

Answered by Tammie Rutledge on April 9, 2025

Broker Licensed in WA, AZ, FL & ID, MT, OR & TX

Answered by Tammie Rutledge Medicare Insurance Agent
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.

Answered by Denise Berg on April 4, 2025

Broker Licensed in CO, AL, AZ & 15 other states

Answered by Denise Berg Medicare Insurance Agent
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.

Answered by Rick Ried on April 8, 2025

Broker Licensed in AZ

Answered by Rick Ried Medicare Insurance Agent

Tags: Advice for Seniors Medicare Advantage Medicare Supplement

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