Is Medicare Advantage Or Medigap Better? 
If you can afford a Medigap -LRB- or Medicare Supplement -RRB- then I recommend the Supplement . You do not have to worry about networks of doctors and the potential out of pocket costs will be less if you are hospitalized . A medicare Advantage Plan is good for those on a fixed income . There are 0 premium plans available that provide very good coverage . The drawbacks would be that you have to stay in network to receive full benefit , you have copays and deductibles , and your out of pocket exposure will be higher than if you have a Medicare Supplement and are hospitalized . If you never have to use your plan then a Medicare Advantage is good because of the low or no premium . If you want litte to no out of pocket if you go to a hospital or have to use your plan then the Medicare Supplement is the way to go . Everything depends on your personal situation . What is good for you may not be good for your neighbor . Consult a good experienced agent who can provide both options . 