Key takeaways
Medicare Advantage (Part C) is a private plan that delivers Medicare benefits, often with extra perks and usually with networks. A Medicare Supplement (also called Medigap) works with Original Medicare to help pay cost-sharing, typically with nationwide access to Medicare providers.
- They are different structures, not two versions of the same product.
- Networks, referrals, and prior approval are more common with Advantage.
- A Medicare Supplement premium can be higher each month. Advantage copays can add up with use.
- Prescription coverage is usually bundled in Advantage and separate with a Medicare Supplement.
A simple way to think about it
Original Medicare plus a Medicare Supplement, and Medicare Advantage, work differently. Compare them across the factors that matter to you: doctors, hospitals, prescriptions, monthly premiums, out-of-pocket costs, travel, referrals and prior approval.
Switching later may be harder
If you leave Advantage later, a Medicare Supplement company may ask health questions and decline you, except in certain windows. California has its own rules, so check before you leave.
Side-by-side snapshot
| Feature | Medicare Advantage | Medicare Supplement |
|---|---|---|
| How it works | Private plan delivers Medicare benefits | Works with Original Medicare |
| Doctors | Usually a network (HMO/PPO) | Generally any U.S. provider that accepts Original Medicare |
| Prescriptions | Often included (Part D) | Separate Part D plan |
| Extra benefits | May include dental, vision, hearing | Generally not included |
| Costs | Copays; yearly in-network max | Premium plus remaining Original Medicare costs |
| Travel | May be limited outside the service area | Nationwide access to providers that accept Original Medicare; limited foreign-travel benefits may apply with some Medicare Supplement plans |
Confirm current details on Medicare.gov for your ZIP code.
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