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Medicare Supplement

1

Medicare Advantage
(Part C)

An all-in-one alternative to Original Medicare

  • Private plan that combines hospital, medical, and often drug coverage

  • Low monthly premiums (plus your Part B premium)

  • Uses a network of doctors and hospitals

  • May require referrals or prior approvals for some care

  • Often includes extra benefits

  • Annual limit on out-of-pocket costs

Good to know:

  • Out-of-network care is usually not covered (except emergencies

We do not offer every plan available in your area. Any information I provide is limited to those plans we do offer in your area. Please contact Medicare.gov 

2

Medigap
(Medicare Supplement)

Secondary coverage that fills the gaps in Original Medicare 

  • Original Medicare remains your primary insurance 

  • Medigap provides secondary coverage for out-of-pocket costs 

  • See any doctor or hospital nationwide that accepts Medicare 

  • If a provider takes Original Medicare, they must accept your Medigap plan 

  • Rarely encounter prior authorization requirements 

  • Benefits are standardized by letter (Plan G, N, etc.) 

  • Plans are guaranteed renewable as long as you pay your premiums 

  • Requires a separate Part D plan for prescription drugs 

What Medigap typically does NOT cover: 

  • Routine dental, vision, and hearing aids 

  • Prescription drugs (need separate Part D plan) 

Which coverage path is right for you? 

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