Medicare Advantage vs. Medicare Supplement in NC
Which Type of Medicare Coverage Is Right for You?
Medicare Advantage and Medicare Supplement (Medigap) are two very different ways to get your Medicare coverage. We explain the differences in plain English — no jargon — so you can understand how each one works before you decide.
Understanding the Difference
Medicare Advantage
Also called Medicare Part C
- ✓Bundles your Medicare Parts A, B, and usually Part D into one plan
- ✓Often has lower monthly premiums
- ✓Uses a network of doctors and hospitals (HMO or PPO)
- ✓May include extra benefits like dental, vision, and hearing
- ✓Copays and out-of-pocket costs apply when you use care
Medicare Supplement
Also called Medigap
- ✓Works alongside Original Medicare (Parts A & B)
- ✓Helps cover costs Original Medicare doesn't pay — like deductibles and copays
- ✓Generally accepted by any doctor who takes Medicare
- ✓Higher monthly premiums, but more predictable out-of-pocket costs
- ✓Does not include drug coverage — you'll need a separate Part D plan
Which One Is Right for You?
The right choice depends on your health, your doctors, your budget, and how you prefer to use your coverage. There's no single right answer — and that's exactly why we're here. We'll walk you through both options based on your specific situation.
Let's Talk Through Your Options
We explain Medicare Advantage and Medicare Supplement in plain English — no pressure, no jargon. Free, local, and independent — serving Brevard, Pisgah Forest, and Western NC.