Which Is Better Medigap Or Medicare Advantage Plan? 
Medigap monthly premiums are generally higher than Medicare Advantage plans which can have premiums as low as $ 0 . When you have a Medigap plan you are still in original Medicare and they are your primary payer . With a Medicare Advantage plan your insurance carrier is the one who adjudicates and pays your claims . You are no longer in original Medicare . Medigap plans have lower out of pocket , especially on a large claim . Medicare Advantage plans are great until you get sick and have to use them . 