Which Is Better Medicare Advantage Or Medigap? 
This depends a lot on the clients preference . Some like Medicare Advantage Plans because they have $ 0 or low monthly premium and prescription drug coverage can be included . However , these plans have large `` max out of pocket '' expenses and a person should know what that number is and compare it to other alternatives . There is also a network so you would need to make sure you stay within that network or risk paying more out of pocket . The network and benefits can change from year to year . A Medigap Plan -LRB- Medicare Supplement Plan -RRB- has a higher monthly premium but little to no out of pocket . There is also no network so you can go to any doctor or hospital in any state . If they take Medicare , they take the Medigap Plan regardless of who the carrier is . Also , the benefits can not change from year to year and the person can keep the plan their entire life if they want . No referral needed to see a specialist . 