How Does Medicare Supplemental Insurance Work? 
Medicare Advantage plans do indeed have lower premiums than most Medicare supplement plans , but that does not necessarily make them `` more affordable '' Medicare Advantage plans have a lot of moving parts . When you access most medical services you are required to satisfy a deductible , pay a copay , or both . People who use a lot of medical services -LRB- doctor , hospital , diagnostic , therapy , etc. -RRB- may find an Advantage plan to be quite expensive when you factor in your out of pocket costs , a Medicare Advantage plan can be considerably more expensive than a Medigap plan . 