What's your go-to strategy for helping someone decide between Medicare Advantage and Medigap?

Answered by 8 licensed agents

I have a seven question algorythm that is 99% accurate. Seven questions and the appropriate strategy is evident.

Answered by Charise Karjala on March 31, 2025

Broker Licensed in CA, AZ, CO, PA & WA

Answered by Charise Karjala Medicare Insurance Agent
I really don't have a strategy to help someone decide Medicare Advantage vs Original Medicare. I always explain all of the details about both options. The 2 big differences are Medicare Advantage you should stay in network and if you have some chronic conditions then you could pay a lot more out of pocket then Original Medicare plus a supplement. Also if you are on a Medicare Advantage for more than 12 months you may not be able to qualify to get into a Medicare Supplemental plan. Many people i meet don't know that and are stuck paying a lot for their health care.

Answered by Anthony Castelluccio on April 12, 2025

Agent Licensed in PA, DE, MD, NJ & VA

Answered by Anthony Castelluccio Medicare Insurance Agent
My strategy is to best explain both options to someone and let them decide what is best for them. Medicare is a very complicated system and people need to understand how their plan options work so they can make an informed decision.

Answered by Michael Yost on March 30, 2025

Broker Licensed in OH, AL, AZ & 27 other states

Answered by Michael Yost Medicare Insurance Agent
What is most important to the client such as the freedom to go to any doctor or hospital without having to make sure they are in a network or getting a referral to see a specialist, and their budget. If they can afford a Medigap policy and Part D prescription drug plan and want the freedom to choose any doctor they want to see the choice is an easy one.

Answered by Rene Casanova on April 3, 2025

Broker Licensed in TX

Answered by Rene Casanova Medicare Insurance Agent
My strategy is to explain each and ask follow up questions like;

a) Do you travel within the US and do you reside in another state for 6 months?

b) Do you want the freedom to see any doctor?

c) How do you feel about copays?

d) Would you rather have one card to access your all of your benefits?

e) Would you prefer not to have a schedule for preventive services that limits exams?

Answered by Denise Berg on April 1, 2025

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

Answered by Denise Berg Medicare Insurance Agent
To help someone choose between Medicare Advantage and Medigap, I ask:

Health Usage: Frequent doctor visits or chronic conditions? → Medigap.

Budget: Want low monthly premiums? → Medicare Advantage. Prefer predictable costs? → Medigap.

Doctor Choice & Travel: Want nationwide coverage and keep any doctor? → Medigap. Okay with networks? → Medicare Advantage.

Drug Coverage: Want it included? → Medicare Advantage. Don’t mind a separate plan? → Medigap.

Simplicity: Want one bundled plan? → Medicare Advantage. Don’t mind piecing it together? → Medigap.

It's important to have a conversation going over all of this and find out what fits best for each individual. There are lots of plans out there with different benefits. Not all may fit your needs.

Answered by Craig Kirscht on April 4, 2025

Broker Licensed in CO, FL, IA, OK & SD

Answered by Craig Kirscht Medicare Insurance Agent
My go to strategy is to show the difference between the 2 plans. making sure the client understands how they differ in each coverage. Then helping them break down what their personal needs are, and answering all questions they have. From there they can decide what works best for the healthcare needs.

Answered by Jennifer Stark on April 21, 2025

Broker Licensed in WI, CO & FL

Answered by Jennifer Stark Medicare Insurance Agent
I like to do a thorough needs assessment and go over all options with my clients to determine which plan options are best for their situation. Sometimes, depending on income, travel, and other factors, it makes a big difference.

Answered by Danielle Moody on April 16, 2025

Broker Licensed in FL, AK, AL & 48 other states

Answered by Danielle Moody Medicare Insurance Agent

Tags: Agent Interview Medicare Advantage Medicare Supplement

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