Medicare Advantage vs. Medigap: Which Path Is Right for You?

Once you’re enrolled in Original Medicare (Part A and Part B), you’ve built the foundation for your healthcare coverage. But for most people, the journey isn’t over. Original Medicare has gaps in coverage—like deductibles and unlimited out-of-pocket costs—that can leave you with significant bills.

That’s why most people choose one of two main paths to complete their coverage. But which one is right for your health needs and budget? Let’s take a look at the two main options: Medicare Advantage plans and Medicare Supplement (Medigap) plans.

Path 1: Medicare Advantage (Part C) Plans

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You might like a Medicare Advantage plan if:

  • You prefer simplicity. These plans combine your Part A (Hospital), Part B (Medical), and usually your Part D (Prescription Drug) benefits into a single plan with one card.
  • You want extra benefits. Many plans include routine dental, vision, and hearing coverage, plus perks like gym memberships, which are not covered by Original Medicare.
  • You want a financial safety net. MA plans have a yearly out-of-pocket maximum, which limits the most you will pay for your covered medical services in a year.

Path 2: Original Medicare + a Medigap Plan

This path keeps you with the traditional, government-run Original Medicare program and adds a separate policy from a private company to fill the gaps.

You might like a Medigap plan if:

  • You value freedom and flexibility. With Original Medicare and a Medigap plan, you can go to any doctor or hospital in the entire U.S. that accepts Medicare, without needing a referral to see a specialist.
  • You want predictable costs. Medigap plans are designed to pay for some or all of your out-of-pocket costs, like your Part A hospital deductible and the 20% coinsurance for Part B services. This makes your healthcare spending much more predictable.
  • You travel frequently. Some Medigap plans even cover you for medical emergencies when you’re traveling outside of the United States.

Something to consider: With this path, you will need to enroll in a separate standalone Part D plan for your prescription drug coverage, as Medigap policies do not include it.

So, Which Path is Best for You?

There is no single “best” answer—only the answer that’s best for you. The choice depends entirely on your personal priorities. Do you value the all-in-one simplicity and extra benefits of a Medicare Advantage plan, or the freedom and flexibility of a Medigap plan?

Let’s Find Your Perfect Path

A friendly chat with a Founders guide can help you compare your options and find the perfect fit for your needs and budget.

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