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Medicare Supplements & Medicare Advantage Differences

There are many differences between a Medicare Supplement (Medigap) and Medicare Advantage plans (MA). Take a look at the chart below for an outline of several main and distinctive differences between the two.

Medicare Supplement (Medigap) Medicare Advantage (MA)
Supplement to Original Medicare Takes the place of Original Medicare
Underwriting guidelines
(except for Guaranteed-Issues)
No underwriting
CAN NOT include Prescription Drug Coverage CAN include Prescription Drug Coverage
All plans are the same for each carrier
(Example: Plan F = Plan F)
Plans vary depending on carriers
Plans cover the same in all states You may loose coverage if you move out of state
CAN NOT be turned down
by doctors accepting Medicare
CAN be turned down
by doctors accepting Medicare
No contract Annual contract
Can drop or change anytime (underwriting may apply) Can only drop or change at certain times of the year

These are only a few of the many difference found between a Medicare Supplement and Medicare Advantage Plans. Know your options when it is time for you to enroll for the first time or if you are considering changing your current coverage.

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