Medicare Advantage vs Medigap + Original
**Medicare Advantage** bundles Parts A, B, and often D with an out-of-pocket max—network restrictions apply. **Original Medicare + Medigap** offers broader provider access with predictable supplement coverage and separate Part D.
Step by step
1. Check doctors
Advantage HMO requires in-network specialists.
2. Compare MOOP
Advantage max out-of-pocket caps worst-case year.
3. Travel
Medigap + Original travels better in the U.S.
Advantage vs Original + Medigap
Healthy urban seniors often pick Advantage premium savings.
- Medicare Advantage: All-in-one; network; drug often included.
- Original + Medigap: Higher premium; flexibility; no MOOP cap on B alone.
Use our calculators
Common mistakes
- Choosing Advantage without checking oncologist
- Skipping Part D when on Original
FAQ
Can I switch later?
Limited windows—Medigap underwriting may apply after trial.