Pick a lane: Advantage, Supplement, or a mix.
There's no "best plan" — only the best plan for you. Here's how to think about it.
All-in-one
Medicare Advantage (Part C)
- Low or $0 premium
- Extras like dental & vision
- Out-of-pocket maximum
- Network restrictions
- Referrals sometimes needed
Most predictable
Medigap Supplement
- See any Medicare doctor
- Very low out-of-pocket
- Great for travelers
- Higher monthly premium
- No drug coverage — add Part D
Prescriptions
Part D Drug Plan
- Covers your meds
- Pairs with Original + Medigap
- Avoids late penalty
- Formularies vary yearly
- Extra premium
The honest comparison table.
| Advantage | Supplement | Part D | |
|---|---|---|---|
| Monthly premium | Often $0 | $100–$300 | Varies |
| Doctor network | Usually limited | Any Medicare doctor | N/A |
| Predictable costs | Copays per visit | Very predictable | Copays per Rx |
| Extras (dental, vision) | Usually included | Not included | N/A |
| Best for | Healthy, budget-first | Frequent care, travel | Anyone on meds |
Deep dive4:22
Advantage vs. Supplement — a 4-minute showdown
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