Medicare
Medicare Advantage vs Medigap: 2026 Side-by-Side Comparison
Compare Medicare Advantage (Part C) and Medigap supplements on premiums, networks, drug coverage, travel flexibility, and enrollment rules.
12 min · Published May 10, 2026 · Updated July 1, 2026
Medicare Advantage (Part C)
Advantage plans bundle hospital (Part A), medical (Part B), and often prescription (Part D) coverage. HMO plans require in-network care; PPO plans allow out-of-network visits at higher cost. South Florida, Arizona, and Texas Sun Belt markets see Advantage penetration above 50%.
- Monthly premium often $0–$50 beyond Part B
- Annual out-of-pocket maximum ($0–$8,850+ in 2026)
- Prior authorization and referral rules common on HMOs
- Extra benefits: dental, vision, hearing, fitness
Medigap (Medicare Supplement)
Medigap policies pair with Original Medicare and pay some or all of deductibles, copays, and coinsurance. Plans are standardized (A–N) in most states. Best for seniors who want broad provider access, split time between states, or prefer predictable monthly costs over surprise bills.
- Works with any provider that accepts Medicare
- No annual network changes or formulary surprises
- Premiums typically $100–$300+/month depending on plan letter and age
- Does not include prescription drugs — add standalone Part D
How to decide
List your doctors, prescriptions, and travel patterns before comparing. If your specialists are in-network and you want extras like dental, Advantage may cost less monthly. If you see multiple specialists across systems or snowbird between states, Medigap plus Part D may be simpler long term.
- Check hospital and specialist network adequacy
- Model total cost: premium + expected copays + drug tiers
- Ask about Medigap guaranteed-issue windows if switching from employer coverage
- Consult a licensed Medicare agent — commissions do not increase your premium