While the two most popular Medicare options (Medicare Advantage and Medicare Supplement plans) are both meant to help you with costs that Original Medicare does not cover, they work in very different ways. Are you interested in learning how they vary, specifically? This supplemental insurance agency in Hebron, Indiana is going to explain the main differences between these two options below.

Medicare Advantage is a bundled plan that includes additional coverage options.

Medicare Advantage (also called “Part C”) combines the two main parts of Original Medicare (Parts A and B) into one plan that you can buy from a private insurance company. Many of these plans include extra benefits that Original Medicare does not cover like dental care, vision checkups, and even prescriptions.

But there are trade-offs.

While Medicare Advantage plans usually have lower monthly premiums, you could have to pay more money later when you see a doctor or need medical care. Another thing you should keep in mind is that many Medicare Advantage plans require you to stay within a specific network of doctors and hospitals. If your doctor is not in that network or if you need to see a doctor while you are traveling, you are going to face some challenges.

For some people, these limitations mean little. But for others, especially those who travel frequently or want the freedom to choose any doctor they like, they can be a dealbreaker. Still, Medicare Advantage is very popular, as nearly 55% of Medicare beneficiaries chose it in 2024. And the simple reason behind this is that Medicare Advantage bundles all the benefits together in one plan, and people love conveniences like that.

If Medicare Advantage sounds like it could work for you, a supplemental insurance agency in Hebron, Indiana can help you learn if it matches your healthcare needs, lifestyle, and budget.

Medicare supplement plans cover extra costs not paid by Original Medicare.

Original Medicare covers most of your medical bills, but you would still have to pay for costs like copayments, coinsurance, and deductibles. These are some of the extra costs that Medicare supplement (or “Medigap”) plans are meant to cover.

One of the best things about Medigap plans is the freedom they give you. You don’t have to be limited to a network of providers, and you can visit any doctor or hospital in the country if they accept Medicare.

Another difference you will see here is how the costs are structured. Medigap plans usually have higher monthly premiums compared to Medicare Advantage, but your out-of-pocket expenses for medical care will be much lower (they can sometimes even be zero).

For example, with one of the most popular Medigap plans, Plan G, almost all of your medical costs are covered except for the Medicare Part B deductible, which is $257 in 2025. While the monthly premiums for this plan are higher, you can easily estimate how much you will need to spend on healthcare in the future.

If you like the idea of predictability and having the freedom to choose any doctor, a supplemental insurance agency in Hebron, Indiana can help you understand all the Medigap options. If you want, they will also help you compare these plans with Medicare Advantage so you can make the best decision for your health and future.

Which plan is right for you?

It really depends on what you need and what you are comfortable with. If you don’t go to the doctor frequently and you want to keep your monthly costs as low as possible, then Medicare Advantage can be the better option for you. But if you want a plan that gives you more freedom to see any doctor and more predictable costs, then Medigap should be the obvious pick.

You should also think about your lifestyle. If you travel a lot or spend part of the year in another state, Medigap’s nationwide coverage will be better for you than the limited local network of Medicare Advantage. But if you are okay with doctors and hospitals in your area and don’t expect to need a lot of medical care, Medicare Advantage should work just fine.

Looking for a Supplemental Insurance Agency in Hebron, Indiana?

Are you ready to work with an experienced supplemental insurance agency in Hebron, Indiana that can help you choose the right Medicare plan for your needs and budget? If so, our team at Senior Care Insurance Services is just a call away. Contact us today to get in touch with our team.