Welcome to Maple Valley Insurance Group. If you’re here, chances are you’re tired of fluff and want straight answers on the difference between Medicare Supplement (Medigap) plans and Medicare Advantage. We’ll walk you through both — no jargon, no scare tactics — just the facts that actually matter, whether you’re in Michigan, Florida, California, or anywhere in between.
Medigap vs Medicare Advantage — What’s the Real Difference?
Let’s not bury the lead:
- Medicare Supplement (Medigap) works with Original Medicare.
- Medicare Advantage replaces Original Medicare.
If you want maximum doctor choice, fewer surprises, and coverage that travels with you — Medicare Supplement is likely your better bet. If you’re okay with networks and want lower premiums and bundled extras, Medicare Advantage might work well.
Let’s break it down so you can decide what’s best for you.
Original Medicare + Medicare Supplement (Medigap): The Classic Combo
Original Medicare includes:
- Part A (hospital coverage)
- Part B (doctor visits, outpatient care, etc.)
You can also add:
- Part D (prescription drugs)
- Medicare Supplement (Medigap) to cover what Medicare doesn’t pay — like that 20% coinsurance
Key Features:
- ✅ Freedom to see any doctor who accepts Medicare — no networks
- ✅ No referrals needed — ever
- ✅ Predictable costs with the right Medicare Supplement plan
- ✅ Nationwide coverage — great for snowbirds or travelers
Most Popular Medicare Supplement Plans:
- Plan F: Full coverage (only for those eligible before Jan 1, 2020)
- Plan G: Covers everything except the small Part B deductible
- Plan N: Lower premiums with small copays at doctor visits
Need help choosing a Medicare Supplement plan that fits your budget and state?
📞 Call us at 269-244-3420 — we shop top-rated carriers in over 30 states.
Medicare Advantage (Part C): The Bundled Option
Medicare Advantage plans are offered by private insurance companies. They bundle your Medicare Part A + B — and often Part D — into one managed care plan.
How It Works:
- ➤ You enroll in a private plan that replaces Original Medicare
- ➤ Networks apply — you may be limited to local providers
- ➤ Extras included, like dental, vision, hearing, and fitness
- ➤ You’ll usually pay copays, coinsurance, and deductibles
- ➤ Each plan has an annual out-of-pocket max (in 2025: up to $8,850)
Pros:
- ✅ Lower or $0 premiums
- ✅ Extras like gym memberships, dental, and vision
- ✅ Drug coverage is usually included
Cons:
- ❌ Networks can be restrictive
- ❌ Prior authorizations may delay care
- ❌ High out-of-pocket risk if you get sick
- ❌ May not cover specialty hospitals like Mayo Clinic
📞 Want help checking if your doctors are in-network? Call 269-244-3420 — we’ll verify everything for your zip code.
Medicare Advantage vs Medigap: Pros and Cons Compared
| Feature | Original Medicare + Medicare Supplement (Medigap) | Medicare Advantage (Part C) |
|---|---|---|
| Doctor Choice | Any Medicare provider | In-network providers only |
| Referrals Needed? | No | Often required |
| Predictable Costs | Yes | No — varies year to year |
| Drug Coverage | Add Part D separately | Usually included |
| Dental/Vision/Hearing | Not included (optional add-ons) | Often included |
| Out-of-Pocket Max | None (Medicare Supplement covers your share) | Up to $8,850/year (2025) |
| Travel Coverage | Nationwide | May be restricted to your region |
Should You Choose Medicare Advantage or Medigap?
Choose Medicare Advantage if:
- You want the lowest monthly cost
- You’re okay with networks and copays
- You like having extras bundled in
Choose Original Medicare + Medicare Supplement (Medigap) if:
- You want freedom to see any doctor
- You value predictable annual costs
- You have chronic or complex conditions
- You want less red tape and more control
🎯 We often recommend Medicare Supplement plans for clients who want to protect their finances long-term and avoid unpleasant billing surprises.
What About Prescription Drugs?
Medicare Supplement plans don’t include drug coverage — but you can add a Part D plan.
Use Medicare’s Plan Finder to shop for a drug plan based on your actual medications.
💡 Pro tip: Even if you take no meds today, getting a drug plan now avoids late penalties later.
When Can You Switch Plans?
- Medicare Advantage Open Enrollment (OEP): Jan 1–Mar 31
- Annual Election Period (AEP): Oct 15–Dec 7
- Medicare Supplement Open Enrollment: First 6 months after your Part B starts — no health questions!
📞 Thinking of switching? Call us for personalized guidance based on your timeline and state rules.
⭐ Why People Trust Maple Valley Medicare Advisors
✅ Licensed in over 30 states
✅ Independent — we work for you, not a single insurer
✅ 20+ years helping clients compare and save
✅ 5-star reviews from happy clients across the U.S.
✅ Local service in Michigan, plus virtual help nationwide
❓ FAQ: Medigap vs Medicare Advantage
What’s the biggest difference between Medicare Supplement and Medicare Advantage?
Medicare Supplement (Medigap) works with Medicare to reduce your bills. Medicare Advantage replaces Medicare and often comes with networks and managed care rules.
Is Medicare Advantage really free?
No. Many plans have $0 premiums, but you’ll pay deductibles, copays, and sometimes thousands out-of-pocket if you get sick.
Can I switch from Advantage to Medicare Supplement later?
Maybe — but you may have to answer health questions unless you’re still in your Medicare Supplement Open Enrollment window.
Which option is better for people with health issues?
Usually Medicare Supplement. It gives you better access to specialists and fewer delays from pre-authorizations.
🎯 Bottom Line: Get Real Medicare Help, No Sales Pressure
We’ve helped thousands of people choose between Medicare Supplement and Medicare Advantage — and we’re happy to help you, too.
📞 Call 269-244-3420 to speak directly with a licensed, independent agent who knows their stuff.
👨⚕️ Local to Michigan? We serve Kalamazoo, Portage, Vicksburg, Mattawan, and beyond.
🌎 Out of state? No problem — phone and Zoom consultations are free.
👉 Want to dig deeper? Start here: