Compare Top 2025 Medicare Plans

What is Medicare Supplement Insurance (Medigap)?

Medicare Supplement, or Medigap, is a type of private insurance plan. It works with your Medicare plan to boost coverage and lower your out-of-pocket costs.

Medicare, also known as Original Medicare or Parts A and B, helps pay for basic health care like going to a doctor or hospital, getting X-rays, and more. But it comes with numerous out-of-pocket expenses:

• Deductibles
• Copayments
• Coinsurance

Even though Medicare covers a lot of services, you’ll still end up paying a lot of your own money for health care. If you have Medicare and you need health care, you could end up paying thousands of dollars to get it — even if it’s covered! That’s why millions of Americans choose to enhance their Medicare coverage with a Medicare Supplement plan.

What does a Medicare Supplement plan cover?

Medicare Supplement plans help pay for health care expenses like deductibles, copayments, and coinsurance. They also provide coverage for things like medical care outside the US. There are 10 different types of Medicare Supplement plans, each with different benefits, limits, and exclusions.

• Pays coinsurance/copayments for both Medicare Part A and B
• Covers the Medicare Part A deductible

Do I need Medicare Supplement?

Without a Supplement plan, your health care costs can quickly spiral out of control.

Original Medicare in 2025 comes with over $1,400 in deductibles alone. When you add that to the copayments and coinsurance that come with Original Medicare, you’re easily looking at thousands of dollars just to get standard medical attention! And if you have a serious health condition, that number will only increase.

That’s why millions of people rely on Medicare Supplement insurance. Get the healthcare you deserve, at a price you can afford. Compare Medicare Supplement plans today.

What is Medicare Advantage?

Medicare Advantage Plans, also known as Medicare Part C, are private insurance plans. They are an alternative to Original Medicare, Parts A and B. They provide people with convenient health insurance that includes a variety of benefits.

Nearly 20 million Americans rely on Medicare Advantage plans as their primary source of health care. That’s over 30 percent of all Medicare beneficiaries!

What does Medicare Advantage cover?

Medicare Advantage offers all the same treatment, coverage, and benefits as Original Medicare. Many plans include:

• Vision
• Hearing
• Dental
• Health and wellness programs

On top of that, Medicare Advantage usually includes prescription drug coverage. Original Medicare, on the other hand, requires you to purchase a separate drug plan.

Since Medicare Advantage plans are sold by private insurance companies, each plan comes with rules and regulations. Some plans require referrals to see specialists, or they require that you see in-network providers.

Each plan comes with an out-of-pocket maximum of $6,700 per year. MOOP varies by plan/location.

Do I need Medicare Advantage?

Here are the biggest benefits of a Medicare Advantage plan:

• Prescription drug coverage: Original Medicare doesn’t cover medication. Most Medicare Advantage plans do.
• Out-of-pocket expenses: Original Medicare has no limit on out-of-pocket expenses. If you have an emergency or you need regular medical care, your bills can spiral out of control. Not with Medicare Advantage. Each plan comes with an out-of-pocket maximum of $6,700 per year.

There are some cons, however:

• Less flexibility: Medicare Advantage plans usually require you get in-network care and referrals. Some health care providers may not accept Medicare Advantage.
• Complicated paperwork: Medicare Advantage plans are sold from private insurance companies. You can face additional paperwork when trying to coordinate benefits with your Medicare.

Don’t rely only on Medicare Parts A and B only for your medical needs.