Which Is Best Medigap Or Medicare Advantage? 
The answer to that question depends a lot on the needs of the individual . I will explain some of the pros and cons of both . Medigap Plans -LRB- also known as Medicare Supplement -RRB- - - Monthly premium -LRB- amount will vary based on the type of plan -RRB- - Little to no out of pocket costs . - No network - You can go to any doctor or hospital you want . If they take Medicare they will take the supplement - Benefits ca n't change from year to year - Guaranteed renewable - as long as you make the premium payment you can keep the plan the rest of your life Medicare Advantage - - $ 0 or very low monthly premium - However , the max out of pocket expenses can be $ 6,700 per year - There is a network - The benefits and network can change from year to year 