Medicare Advantage vs Medigap: The Side-by-Side Decision File

This is the central decision of retirement healthcare, and it is a fork you choose once: a private network plan with a capped but real cost-sharing, versus Original Medicare wrapped in a supplement with near-zero cost-sharing and no network. This file puts every decision-relevant dimension side by side.

Dimension Medicare Advantage Medigap (G as benchmark)
Fixed monthly cost $0 plan premium + $185 Part B $120–170 G premium + $185 Part B
Variable cost ceiling $9,350/yr in-network max (2025 federal) ≈ $257 (Part B deductible)
Doctor choice Network only; HMO needs referrals Any provider accepting Medicare
Prior authorization Common for imaging, surgery, drugs Not applicable
Drug coverage Usually bundled Separate Part D policy
Stability year to year Copays/networks can change every January Benefits fixed by law; premiums drift up
Switching out later Limited GI windows to Medigap Underwriting applies (most states)

The asymmetry that decides most cases

The exit doors are not equal. Moving from Advantage to Medigap later generally requires passing medical underwriting outside guaranteed-issue windows — and people often try to leave Advantage precisely because they got sick, when underwriting is hardest. Moving from Medigap to Advantage is always possible. This asymmetry means the healthy 65-year-old choosing Advantage is making a choice that is easy to enter and hard to reverse.

Scoring your own case

Advantage fits: tight budgets today, robust local networks for your specific providers, willingness to manage authorizations, and short travel horizons. Medigap fits: chronic conditions, specialist-heavy care, snowbirds and travelers, and anyone who values benefit stability over premium. The honest tiebreaker for borderline cases is provider verification — if your doctors are in-network and you rarely travel, MA’s $100+/month saving compounds to real money over a decade.

FAQ

Which is cheaper over 20 years?

For consistently healthy people, MA often wins on raw dollars. For anyone with chronic conditions or heavy utilization, Medigap’s near-zero cost-sharing wins — the crossover depends entirely on your claim history.

Can I switch from MA to Medigap in the first year?

Yes — the 12-month trial right lets you leave MA and use guaranteed issue into a Medigap plan. Some states extend this beyond the federal floor.

Does Medigap cover things MA does not?

Coverage is different, not larger: MA plans must at least match Original Medicare and often add dental/vision, while Medigap offers national provider freedom instead.

Related reading: What is MA · When MA wins · Plan G benchmark · Part D mechanics