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	<title>New answer on: Is Medigap Better Than Advantage?</title>

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		<title>By: John Billetdoux</title>

		<link>https://insurancelibrary.com/medicare-insurance/is-medigap-better-than-advantage</link>

		<dc:creator>John Billetdoux</dc:creator>

		<pubDate>Sun, 04 May 2014 13:15:43 +0000</pubDate>

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		<description><![CDATA[Medigap and Med Advantage plans are SIGNIFICANTLY different. For a MedAdvantage Plan, they are basically like an HMO. You have a primary physician who is essentially the gate keeper. You do need referrals and you do have co-pays. A Med Advantage plan does also contain a drug plan component, which the supplements do not. If you have significant health issues, than of course the co-pays can add up, however the monthly premium is usually significantly less than the average Medigap plan.
Medigap Plans again, are significantly different. The coverage provided by a Medigap Plan is dependent upon what plan you get. The plans are all identified by a corresponding letter. For example, an F Plan tends to offer the most solid coverage, but of course the price is among the highest as you&#039;d expect. Each lettered plan is written and designed by the government, so no F Plan is different than another, no G is different than another G, etc etc. What is different is what each individual insurance company charges for the play. So it&#039;s not uncommon for company A to charge 1 price for an F Plan, and companies B, C, D, &#038; E all have significantly different prices for the exact SAME COVERAGE. 
One thing that I would do is make sure you understand how each lettered plan works, because the difference in coverage can be quite significant. For example, make sure you understand exactly what a &quot;Part B Excess Charge&quot; is. In some states, such as PA, they are illegal, but in my state, which is NJ they are perfectly legal. If you purchase a plan that doesn&#039;t cover the Part B Excess Charge, you could find yourself pleasantly surprised by a significant bill if you ever have a major procedure done.
Medigap Plans DO NOT come with a drug plan, or vision plan or dental. A Drug Plan is the only one you are REQUIRED to get, or you could face a penalty by the government. But again, the drug plan must be purchased on the side, as there is no such thing as a Medigap that comes with a drug plan.]]></description>

		

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		<title>By: Bob Vineyard</title>

		<link>https://insurancelibrary.com/medicare-insurance/is-medigap-better-than-advantage</link>

		<dc:creator>Bob Vineyard</dc:creator>

		<pubDate>Fri, 03 May 2013 00:15:13 +0000</pubDate>

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		<description><![CDATA[Some people think Medigap is better than Advantage plans, but you decide.

Medicare + Medigap allows you to use any doctor, anywhere in the United States.

Most Advantage plans require you to use their doctors, or else pay a penalty.

Medicare + Medigap with most plans (F, G, N) means less than $500 out of pocket during the year in most situations. Even with Hi F your out of pocket is capped at $2110 for 2013.

Advantage means $2700 - $6700 out of pocket per year.]]></description>

		

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