Medigap
Medicare Advantage
How it relates to Original Medicare Parts A and B
Out-of-pocket costs
Choice of doctors and hospitals
When you can buy
Part D coverage
Quality/rating information available
Cards to carry/required proof of coverage
Paperwork
Private supplemental coverage that pays all or most Part A and B out-of-pocket costs.
Some may be required, because you are responsible to pay deductibles and copays directly to providers.
Little to none. Medigap typically cuts a check to providers after Medicare pays for its portion of services.
Average of about $90 to $476 a month. Can vary by age, health history, or both.
Dependent on selected plan.
Yes—any that participate in Medicare.
Premiums
The first six months after you sign up for Part B and are at least 65 years old. If you sign up after the initial Open Enrollment period, a medical underwriting is required, and you may not qualify for coverage.
Not included. You must enroll separately.
No—there are no standardized ratings for Medigap plans.
Up to three: 1) Medicare card,
2) Medigap card, and/or 3) Part D coverage card.
Private health plan that provides Part A and B benefits directly in place of Original Medicare.
$0 to $100+ monthly, depending on the plan. All plan enrollees pay the same regardless of age or health history.
In-network medical deductibles and copays of up to $9,350 a year in 2025.
For HMOs: Plan providers only.
For PPOs: Any provider, but out-of-network providers cost more.
When you first enroll in both Medicare Parts A and B and annually thereafter during Open Enrollment.
Most plans include Part D coverage, and possible dental, vision and hearing coverage as well.
Yes—Medicare.gov and the National Committee for Quality Assurance provide annual ratings.
Usually just one–your proof of Medicare Advantage coverage card.
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