Compare / Medicare Advantage vs Medigap

Medicare Advantage vs Medigap

Advantage plans replace Original Medicare with a private plan; Medigap fills the gaps.

Feature	Medicare Advantage	Medigap
Network	HMO/PPO networks	Any Medicare provider
Includes Part D drugs	Usually yes	No (buy separately)
Premium	Often $0 + Part B	$100–$300 + Part B
Out-of-pocket max	Yes	Effectively none with Plan G

Best for Medicare Advantage

Healthy enrollees who travel little and want low premiums.

Best for Medigap

Frequent users of care or travelers wanting nationwide access.

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Medicare Advantage vs Medigap