Medicare Supplement vs. Medicare Advantages





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Medicare Supplement vs. Medicare Advantage

There are many differences between a Medicare Supplement (Medigap) and Medicare Advantage plans (MA). Take a look at the chart below for an outline of several main and distinctive differences between the two.

Medicare Supplement (Medigap)

Medicare Advantage (MA)

Ø Supplement to Original Medicare

Ø Underwriting guidelines (except for Guaranteed-Issues)

Ø CAN NOT include Prescription Drug Coverage

Ø All plans are the same for each carrier (ex: Plan F = Plan F)

Ø Plans cover the same in all states

Ø CAN NOT be turned down by doctors accepting Medicare

Ø No contract

Ø Can drop or change anytime (underwriting may apply)

Ø Takes the place of Original Medicare

Ø No underwriting

Ø CAN include Prescription Drug Coverage

Ø Plans vary depending on carriers

Ø You may loose coverage if you move out of state

Ø CAN be turned down by doctors accepting Medicare

Ø Annual contract

Ø Can only drop or change at certain times of the year

These are only a few of the many difference found between a Medicare Supplement and Medicare Advantage Plans. Know your options when it is time for you to enroll for the first time or if you are considering changing your current coverage.