Medicare Advantage vs. Medigap: which fits you?

The biggest Medicare decision: Original Medicare + a Medigap (Supplement) plan, or Medicare Advantage (Part C). Neither is "better" — they trade off cost, freedom, and predictability. Answer a few questions for an honest lean. We sell nothing and take no commission (unlike most "free" Medicare help).

Do you want to see any doctor or hospital nationwide without networks or referrals? Do you travel or live in two states during the year? Would you rather pay a higher predictable monthly premium for very low surprise bills, or low/zero premium and pay as you use care? Do you expect significant or ongoing health needs (specialists, therapies, a chronic condition)? How important are extras like dental, vision, hearing, and gym benefits bundled in?

Educational only. Medigap can be hard to switch into later (medical underwriting outside your one-time guaranteed-issue window), so weigh the long term. Compare actual plans on Medicare Plan Finder; get free unbiased help from SHIP.