Medicare Supplement Insurance (Medigap) pairs with Original Medicare to provide unmatched freedom, predictability, and comprehensive coverage, while many Medicare Advantage (Part C) plans come with restrictions that can limit your choices and lead to unexpected costs.
Why Medicare Supplement Stands Out?
✔ Nationwide Doctor Freedom: See any doctor or hospital that accepts Medicare—no networks, no referrals needed. Travel or snowbird? Your coverage goes with you across the U.S.
✔ Predictable Costs: Popular Plan G covers nearly everything after the small Part B deductible ($283 in 2026)—no surprise bills for coinsurance or copays.
✔ No Prior Authorizations: You and your doctor decide care—not an insurance company.
✔ Guaranteed Renewable: As long as you pay premiums, coverage can't be canceled.
✔ Top Plans Like G & N: Plan G is the gold standard for comprehensive protection; Plan N offers similar benefits with lower premiums and minor copays.
Medicare Advantage Drawbacks to Consider!
😢 Restricted Networks — Often limited to local providers; out-of-network care can cost more or be denied.
😢 Prior Authorizations & Denials — Plans may require approval for procedures, leading to delays or refusals.
😢 Changing Benefits Yearly — Networks, copays, and extras (like dental/vision) can shift; some plans are cutting benefits or exiting areas in 2026.
😢 High Out-of-Pocket Max — Up to $9,250 in-network in 2026—far riskier than Medigap's near-zero exposure.
😢 Low Premiums, Hidden Costs — Average $17/month sounds great, but copays add up fast with frequent care
Real Protection Example
With Medigap Plan G:
❤️ Hospital stay: Covered (after Part A deductible).
❤️ Doctor visits: 100% covered after Part B deductible ($283 in 2026).
❤️ No annual "gotchas"—peace of mind for chronic conditions or unexpected needs.
Vs. many Advantage plans:
✔ Copays for every visit
✔ specialist referrals
✔ and potential $9,000+ out-of-pocket in a bad year.
Secure Your Best Coverage Today
Don't get locked into restrictions—explore Medicare Supplement for true choice and control. Get free personalized quotes and comparisons now to find your ideal plan.
Premiums vary by age, location, and carrier (typically $100–$300/month for Plan G), but the value is unmatched for freedom and security. We represent the top-rated carriers like AARP/UnitedHealthcare, Mutual of Omaha, and Anthem.