Here are some key features to compare between Medicare Advantage and Medigap:
Comparing Medicare Advantage vs. Medigap
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Plan features
Medicare Advantage
Medicare Supplement
Coverage
Includes Original Medicare Parts A and B, plus extra benefits, such routine dental, vision, hearing and fitness services
Helps fill the “gaps” in Original Medicare, covering the out-of-pocket costs Parts A and B don’t
Enrollment
There are specific enrollment periods during the year when you can enroll in or switch to a different Medicare Advantage plan
You can apply to buy a Medigap plan any time after you turn 65 and join Part B
Doctors and hospitals
You may be required to use in-network doctors and hospitals
You can see any doctor nationwide that accepts Medicare
Referrals
May need referrals for specialists
No referrals necessary
Costs
Lower premiums but has copays
Higher premiums but little to no copays
Prescription drug coverage
Can be included in a Medicare Advantage Prescription drug plan (MAPD)
Not included, you’ll need to buy a Part D plan
Medical underwriting
All health conditions accepted, including ESRD
No medical underwriting if you apply during your Initial Enrollment Period (starts 3 months before the month you turn 65, and ends 3 months after)