Is Medigap Or Medicare Advantage Better? 
It depends on your personal situation . I personally like Medigap if you can afford the premiums . With Medigap you will not have to worry about networks , you can go to any doctor that accepts Medicare , and your out of pocket exposure will be much less . Medicare Advantage is a good choice for those with limited funds or those who live in an area where there are strong networks , as long as you do not travel outside the area for extended periods . Medicare Advantage has the Prescription coverage embedded in the plan -LRB- in most cases -RRB- and can have very low or no premium . A good independent agent who handles both Medigap and Medicare Advantage can help guide you . Make sure the agent handles most of the plans in your area and takes time to ask about your personal situation . 