Is Medigap Or Medicare Advantage Better?

  1. 12689 POINTS
    Ted Ratliff
    Owner, SFS Associates,
    It depends on your personal situation. I personally like Medigap if you can afford the premiums. With Medigap you will not have to worry about networks, you can go to any doctor that accepts Medicare, and your out of pocket exposure will be much less. Medicare Advantage is a good choice for those with limited funds or those who live in an area where there are strong networks, as long as you do not travel outside the area for extended periods. Medicare Advantage has the Prescription coverage embedded in the plan (in most cases) and can have very low or no premium. A good independent agent who handles both Medigap and Medicare Advantage can help guide you. Make sure the agent handles most of the plans in your area and takes time to ask about your personal situation.
    Answered on September 25, 2014
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