What Is Medigap vs Medicare Advantage? 
Medigap works along side your original Medicare helping to pay Medicare covered expenses that are not paid for by Medicare due to deductibles and coinsurance . You will pay a premium for a Medigap plan but your out of pocket exposure in the event of a large claim will be less than with a Medicare Advantage plan Medicare Advantage takes the place of Medicare . While you are still in the Medicare system and protections , responsibility for benefits and claim management are provided by the insurance company , not Medicare . You can not have both a Medigap and a Medicare Advantage Plan since Medicare Advantage has different deductibles and copay 's than Medicare . Premiums are much less than Medigap plans but you will have more out of pocket exposure in most cases . 