Heres 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 |
Nationwideany 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
-
Medical needs: If you have chronic conditions or travel frequently, Plan G is often more predictable and flexible.
-
Budgeting: Advantage plans cost less monthly but have higher out-of-pocket risk.
-
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:
-
Medicare Advantage (Part C) = Low premium, higher potential costs, more restrictions.
-
Medigap Plan G + Part D = Higher premium, fewer out-of-pocket surprises, better access and portability.
