Licensed Life & Health Insurance Agent · Serving clients by phone · Se habla español
Mon–Sat 9am–7pm CT · (214) 622-5366
Licensed Life & Health Insurance Agent · Serving clients by phone · Se habla español
Mon–Sat 9am–7pm CT · (214) 622-5366
Medicare
By Enok Columbie, licensed Life & Health agent · NPN 16449444 · Updated November 2026
Medicare Supplement (Medigap) works alongside Original Medicare to help pay your share of costs, and it lets you see any provider in the U.S. that accepts Medicare. Medicare Advantage (Part C) is a different way to get your Part A and Part B benefits through a private plan, usually with a provider network and its own costs and benefits. You cannot have both at the same time.
| Medigap + Original Medicare | Medicare Advantage | |
|---|---|---|
| Doctors and hospitals | Any provider in the U.S. that accepts Medicare | Usually a provider network; rules vary by plan |
| Referrals | Not needed | Some plans require them |
| Monthly cost | Medigap premium plus your Part B premium | Plan premium (varies) plus your Part B premium |
| Out-of-pocket costs | Depend on the Medigap plan you choose | Copays and coinsurance, with a yearly out-of-pocket limit for Part A and B services |
| Drug coverage | Not included; separate Part D plan | Often included |
| Extra benefits | Not included | Some plans include dental, vision or hearing |
Your Medigap open enrollment period lasts 6 months, starting the month you are 65 or older and enrolled in Part B. After that, in most states, companies can ask health questions and may charge more or turn you down. Certain situations give you a guaranteed right to buy Medigap — for example, if you try Medicare Advantage for the first time and leave within the first 12 months. Check Medicare.gov for the rules that apply to you.
This article is for educational purposes only. Senior Life Group does not market or sell Medicare Advantage or Part D plans on this website. Not affiliated with or endorsed by the U.S. government or the federal Medicare program. For information on all of your options, visit Medicare.gov or call 1-800-MEDICARE (TTY 1-877-486-2048).
No. Medigap works only with Original Medicare and cannot pay Medicare Advantage costs.
It depends on your health care use. Medicare Advantage plans often have lower monthly premiums but more copays when you get care. Medigap usually has a higher premium and more predictable costs.
You can return to Original Medicare during certain enrollment periods. Buying a Medigap policy may require health questions unless you have a guaranteed issue right.
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