Here's a clear and direct comparison between Medicare Advantage (Part C) and Medigap Plan G (which supplements Original Medicare). These are the two most popular ways to get fuller Medicare coverage — but they work very differently:
At a Glance
| Feature | Medicare Advantage (Part C) | Medigap Plan G (+ Original Medicare) |
|---|---|---|
| Coverage | Combines Parts A, B, usually D, plus extras (dental, vision) | Supplements Parts A & B (you add Part D separately) |
| Provider Access | Network-based (HMO/PPO), may need referrals | Any doctor nationwide that accepts Medicare |
| Monthly Premium | $0–$70 (some $0 plans) plus Part B premium | $130–$250 (Plan G) plus Part B and Part D |
| Out-of-Pocket Max | Yes (usually $4,000–$8,000/year) | Minimal; after deductible (~$240), most costs covered |
| Prescription Drugs | Usually included | Must buy a separate Part D plan ($35–$80/month) |
| Extras (Dental, Vision) | Often included | Not included (buy separately) |
| Travel Coverage (U.S.) | Limited to network | Nationwide—any Medicare doctor |
| Overseas Emergency | Rarely covered | Covered up to limits |
| Plan Flexibility | Must re-evaluate annually | Keeps the same coverage yearly (as long as you pay) |
Sample Monthly Cost (2025, per person)
| Component | Advantage Plan | Medigap Plan G + Part D |
|---|---|---|
| Part B (standard) | $174.70 | $174.70 |
| Advantage premium (Part C) | $0–$70 | – |
| Medigap Plan G | – | $130–$250 |
| Part D (if needed) | Often included | $35–$80 |
| Total (range) | $175–$250 | $340–$500 |
Which One Should You Choose?
| You might prefer... | If you... |
|---|---|
| Medicare Advantage (Part C) | Want lower monthly premiums, are okay with networks & co-pays, want extras like dental |
| Medigap Plan G + Part D | Want maximum flexibility, travel often, want predictable costs, can pay higher premium |
? Important Considerations
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Medical needs: If you have chronic conditions or travel frequently, Plan G is often more predictable and flexible.
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Budgeting: Advantage plans cost less monthly but have higher out-of-pocket risk.
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Switching: After your first enrollment window, switching into a Medigap plan (like G) later may require medical underwriting (i.e., you can be denied based on health).
Bottom Line:
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Medicare Advantage (Part C) = Low premium, higher potential costs, more restrictions.
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Medigap Plan G + Part D = Higher premium, fewer out-of-pocket surprises, better access and portability.
