Medigap vs Medicare Advantage
Cost Trade-Offs Explained
Choosing between Medigap and Medicare Advantage isn’t about which is “cheaper” — it’s about how, when, and where you pay. May River Medicare Insurance shows real cost trade-offs transparently, nationwide, before you ever enroll.
Big Picture Differences
Medigap (Supplement)
Higher monthly premiums, lower medical bills.
- Predictable out-of-pocket costs
- No provider networks
- No referrals required
- Works nationwide
Medicare Advantage (Part C)
Lower premiums, pay as you go when care is needed.
- Copays for most services
- Provider networks apply
- Annual out-of-pocket maximum
- Extra benefits included
Real-World Cost Scenarios
| Scenario | Medigap | Medicare Advantage |
|---|---|---|
| Low Medical Use | Higher premium, minimal bills | Very low total cost |
| Moderate Medical Use | Stable and predictable | Copays accumulate |
| High Medical Use / Hospitalization | Little to no additional cost | Costs rise until max out-of-pocket |
| Out-of-State Travel | Covered nationwide | Limited or no coverage |
Which Option Fits You Best?
Medigap May Be Better If:
- You want predictable healthcare costs
- You travel frequently
- You see specialists often
- You want provider freedom
Medicare Advantage May Be Better If:
- You want low monthly premiums
- You’re comfortable with networks
- You want bundled extra benefits
- You’re generally healthy
Compare Both Options Side by Side
See Medigap and Medicare Advantage costs by ZIP code, carrier, and health profile. May River Medicare Insurance shows everything up front — no pressure, nationwide.