Medicare Advantage vs Medicare Supplement

The post below provides a side-by-side comparison between Medicare Advantage (MA) and Medicare Supplement (Medigap).

Feature	Medicare Advantage (Part C)	Medicare Supplement (Medigap)
Monthly Premium	Usually lower, sometimes $0 (but still pay Part B premium)	Higher, varies by plan and age
Deductibles & Copays	You pay copays/coinsurance for visits and services; out-of-pocket maximum exists	Most copays/coinsurance are covered; some plans cover 100% of Medicare costs
Network Restrictions	Usually HMO or PPO network; out-of-network care may cost more or not be covered	No network restrictions; can see any Medicare provider
Prescription Drug Coverage	Often included (MA-PD)	Not included; need separate Part D plan
Extra Benefits	Often includes dental, vision, hearing, wellness programs	None; only covers Medicare-approved services
Flexibility	Limited; plan can change benefits/premiums annually	Very flexible; predictable coverage and provider choice
Travel Coverage	Limited; may not cover care outside plan area	Full coverage anywhere Original Medicare is accepted
Predictability of Costs	Less predictable; pay as you use services	More predictable; you pay a set premiums, minimal additional costs
Best For	People wanting lower monthly premiums, extra benefits, fewer doctor visits, mostly local care	People who want freedom to see any doctor, frequent healthcare use, predictable cost

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For help finding the best Medicare or Individual Health Plan for you, please contact Liberty Medicare or call us at 877-657-7477.