Which Is Better Medicare Advantage Or Supplement? 
It depends a lot on the person and the specific needs . Here are some of the pros and cons to both . Medicare Advantage - Has little to zero monthly premium so everyone can get excited about that . However , the max out of pocket cost is the big number to understand with these plans . It can be as high as $ 6,700 per year . You also need to make sure you stay within the network and you often times will need a referral to see a specialist . One of the biggest challenges is the benefits and network keep changing every year on Medicare Advantage plans and many folks do not like that . Medicare Supplement -LRB- or Medigap Plan -RRB- - It has a monthly premium , however , the `` out of pocket '' costs can be zero or very close to it . Many find it easier to budget one monthly payment rather than for unexpected illness and out of pocket costs . There is also `` no network '' with a Medicare Supplement so you can go to any doctor or hospital you want . If they take Medicare , they take the supplement , regardless of carrier . In addition , the benefits for a Medicare Supplement Plan are not allowed to change from year to year like a Medicare Advantage plan . If you would like more Medicare information or to compare Medicare plans you can go to our website , SummitMedigap.com . 