Why Choose Medigap Or Medicare Advantage? 
It depends on your needs , budget , and preferences . I would recommend consulting with an independent Medigap broker who can work with you on a personal level and help you evaluate your options . If you want to create a very well-controlled , predictable healthcare expense structure where you do n't have to worry about receiving massive medical bills , you may want to consider buying a Medigap plan -LRB- most likely a Medigap Plan F or Plan G -RRB- . The premiums for Medigap plans are typically a little higher than a Medicare Advantage plan , but they feature much broader coverage . Medigap plans are guaranteed renewable and are standardized -LRB- meaning a given Medigap plan features the same benefits regardless of the carrier you have it through - a plan F from company ABC is the same plan F from company XYZ -RRB- . They also have no networks , meaning you can go to any doctor you want that accepts Medicare -LRB- the vast majority do these days and you can check to see if a doctor in your area does using a physician finder tool on Medicare 's website , Medicare.gov -RRB- . As far as services go , if your doctor accepts Medicare , then they have to accept your Medigap plan as well . I hope the information is helpful - please feel free to contact me for assistance with your Medigap coverage needs , including quotes and plan comparisons , and if you have any other questions . Thanks very much . 