Which Is Better Medigap Or Advantage Plans? 
Medigap plans have very low max out of pocket costs other than the monthly premium . The plan benefits ca n't change from year to year . There is also no network with a Medigap plan which means you can go to any doctor or hospital in any state . If they take Medicare they will take your Medigap plan . Medicare Advantage plans often have a very low monthly premium or no premium at all . However , the max out of pocket costs can be as high as $ 6,700 per year . The plan benefits can change every year . The network of doctors and hospitals can also change from year to year . Doing a needs analysis with a licensed agent that specializes in Medicare plans will further help you to determine what is best for your specific situation . 