Which Is Better Medigap Or Medicare Advantage?

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   Alex Chavez

   Vice President Commercial Sales, Des Champs, Gregory & Hayes, Inc., Sarasota-Bradenton, Florida

   No clear answer to this question.  It depends on what a person can afford.  I prefer Medigap or Medicare Supplements, because insured can use any doctor, while in Advantage Plans insured is mostly restricted to a network of doctors he/she must use.  But insured pays a premium price for this, supplements are expensive and not everyone can afford it.  If you can't afford a supplement, then the Advantage Plans are very good and useful, but they have many limitations.  So it's the insured's pocket that will determine which plan is better.

   Answered on August 20, 2013

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