Is Medigap Better Than Advantage? 
Medigap and Med Advantage plans are SIGNIFICANTLY different . For a MedAdvantage Plan , they are basically like an HMO . You have a primary physician who is essentially the gate keeper . You do need referrals and you do have co-pays . A Med Advantage plan does also contain a drug plan component , which the supplements do not . If you have significant health issues , than of course the co-pays can add up , however the monthly premium is usually significantly less than the average Medigap plan . Medigap Plans again , are significantly different . The coverage provided by a Medigap Plan is dependent upon what plan you get . The plans are all identified by a corresponding letter . For example , an F Plan tends to offer the most solid coverage , but of course the price is among the highest as you 'd expect . Each lettered plan is written and designed by the government , so no F Plan is different than another , no G is different than another G , etc etc. . What is different is what each individual insurance company charges for the play . So it 's not uncommon for company A to charge 1 price for an F Plan , and companies B , C , D , & E all have significantly different prices for the exact SAME COVERAGE . One thing that I would do is make sure you understand how each lettered plan works , because the difference in coverage can be quite significant . For example , make sure you understand exactly what a `` Part B Excess Charge '' is . In some states , such as PA , they are illegal , but in my state , which is NJ they are perfectly legal . If you purchase a plan that does n't cover the Part B Excess Charge , you could find yourself pleasantly surprised by a significant bill if you ever have a major procedure done . Medigap Plans DO NOT come with a drug plan , or vision plan or dental . A Drug Plan is the only one you are REQUIRED to get , or you could face a penalty by the government . But again , the drug plan must be purchased on the side , as there is no such thing as a Medigap that comes with a drug plan . 