Is Medigap Better Than Advantage? 
Some people think Medigap is better than Advantage plans , but you decide . Medicare + Medigap allows you to use any doctor , anywhere in the United States . Most Advantage plans require you to use their doctors , or else pay a penalty . Medicare + Medigap with most plans -LRB- F , G , N -RRB- means less than $ 500 out of pocket during the year in most situations . Even with Hi F your out of pocket is capped at $ 2110 for 2013 . Advantage means $ 2700 - $ 6700 out of pocket per year . 