When to Choose Medicare Advantage
Over Medigap
The right choice depends on your priorities. Use this simple decision tree to see when Medicare Advantage may make more sense than Medigap. May River Medicare Insurance explains the trade-offs transparently, nationwide, before you enroll.
Decision Tree: Follow the Path
1) Is monthly premium your top concern?
You want the lowest possible monthly cost.
- YES → Medicare Advantage
- NO → Go to Question 2
2) Are you comfortable with provider networks?
You’re okay using doctors and hospitals within a plan network.
- YES → Medicare Advantage
- NO → Medigap may fit better
3) Do you want extra benefits bundled in?
Dental, vision, hearing, fitness, or OTC allowances matter to you.
- YES → Medicare Advantage
- NO → Go to Question 4
4) Is cost predictability critical?
You want little to no bills when you use care.
- YES → Medigap
- NO → Medicare Advantage
When Medicare Advantage Is Often the Better Choice
- You want the lowest monthly premium
- You’re generally healthy
- You like bundled extras (dental, vision, hearing)
- You’re comfortable with provider networks
- You prefer an annual out-of-pocket maximum
See Which Path Fits You Best
Compare Medicare Advantage and Medigap side by side by ZIP code. May River Medicare Insurance shows every option up front — no pressure, nationwide.