Medicare Advantage vs. Medigap (Supplement Plans): What’s Best in 2025?

Many seniors wonder whether a Medicare Advantage vs. Medigap (Supplement) plan makes more sense. Both have advantages—what matters is which fits your lifestyle, budget, and health needs.

Medicare Advantage (Part C)

• Bundles Part A and Part B, often Part D.

• Lower premiums, extra benefits like dental or vision.

• Limited to provider networks.

• Annual changes in costs and coverage.

Medigap (Supplement Plans)

• Higher monthly premiums.

• Covers the “gaps” in Original Medicare, like deductibles and coinsurance.

• Freedom to see any provider who accepts Medicare.

• More predictable costs.

How to Decide

• Calculate your total costs (premium + out-of-pocket).

• Consider how often you visit doctors.

• Think about flexibility—do you want nationwide or even international coverage?

Hall Insurance’s Role

Our team compare your personal situation side by side—costs, coverage, and doctor access—so you know which is truly right for you.

If you’re weighing Medicare Advantage vs. Medigap, Hall Insurance can give you clear answers tailored to your needs.