Medigap plans do not have a network which means you can go to any doctor or hospital that takes Medicare. In addition, there is no coinsurance or large max out of pocket dollar amounts to worry about. Medigap plans are not allowed to change their benefits ever. This means you could keep Plan F or Plan G for as long as you live if you like.
With Medicare Advantage none of that is the case. The max out of pocket can be as high as $6,700 per year. The network constantly changes.
The best thing to do is work with an independent agent to explain all of your options.
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With Medicare Advantage none of that is the case. The max out of pocket can be as high as $6,700 per year. The network constantly changes.
The best thing to do is work with an independent agent to explain all of your options.