Medigap vs Medicare Advantage
Medigap (Plan G): $150-$300/mo premium, no network, predictable. Advantage: $0-$50/mo premium, network restricted, MOOP cap.
| Age | — |
| Health | — |
| Medigap premium | — |
| Part D premium | — |
| Medigap total annual | — |
| Advantage total annual | — |
| Difference | — |
| Best choice | — |
Medicare Supplement (Medigap) vs Medicare Advantage are mutually exclusive at age 65+. Medigap: predictable monthly premium + no network restrictions. Advantage: lower premium but network restricted, copays for visits. Choice depends on health status, income, and willingness to manage care.
Medigap Advantages
Plan G covers all Medicare Part B gaps after annual deductible. No network — see any Medicare-accepting provider nationwide. Predictable monthly premium ($150-$300). No prior authorization. Guaranteed issue during 6-month open enrollment at age 65.
Medicare Advantage Advantages
Lower premium ($0-$50/month). Includes Part D drug typically. Often includes dental, vision, hearing benefits. Cap on annual out-of-pocket ($8,300 in-network 2025). Wellness programs, gym membership ($0 fitness).
Switching Between Plans
Initial 6-month window at 65: guaranteed Medigap acceptance. Outside that: insurance underwriting can deny. Annual Open Enrollment (Oct 15-Dec 7): switch Advantage plans or back to Original Medicare. State 'birthday rules' (CA, OR, WA, MO): annual Medigap switch.
Last updated May 2026. Sources: Medicare.gov Resources.