How Does Medigap Differ From Medicare Advantage? 
Medigap plans do not have a network which means you can go to any doctor or hospital that takes Medicare . In addition , there is no coinsurance or large max out of pocket dollar amounts to worry about . Medigap plans are not allowed to change their benefits ever . This means you could keep Plan F or Plan G for as long as you live if you like . With Medicare Advantage none of that is the case . The max out of pocket can be as high as $ 6,700 per year . The network constantly changes . The best thing to do is work with an independent agent to explain all of your options . 