Medicare Advantage vs Supplement: Which Plan is Right for You?
Comparing Medicare Advantage vs Supplement (Medigap) plans? Answer a few simple questions to discover which best fits your healthcare needs, doctors, and lifestyle.
Takes just 2–3 minutes • Get personalized guidance
When are you enrolling in Medicare?
Your enrollment timing affects your Medicare Advantage vs Supplement options and guaranteed issue rights.
How important is keeping your current doctors?
Medicare Advantage plans use networks, while Medigap plans let you see any doctor accepting Medicare.
How often do you travel or spend time away from home?
Medicare Advantage plans typically have limited coverage outside your service area, while Medigap plans work nationwide.
Which budget approach fits you better?
Consider both monthly premiums and potential out-of-pocket costs when you need care.
How would you describe your current health?
Your health status and expected medical needs can impact which plan type works best for you.
What are your prescription drug needs?
Medicare Advantage often includes drug coverage, while Medigap requires a separate Part D plan.
How important are extra benefits like dental, vision, and hearing?
Medicare Advantage plans often include these extras, while Medigap plans typically don’t.
How do you feel about referrals and prior authorizations?
Medicare Advantage plans often require referrals to see specialists and prior authorization for procedures.
How do you feel about reviewing and potentially changing plans annually?
Medicare Advantage plans can change their benefits, networks, and costs each year.
What’s your top priority in choosing a Medicare plan?
This helps us fine-tune your recommendation to what matters most to you.
Here’s Your Personalized Starting Point
• Whether your specific doctors are in-network
• If your prescriptions are covered (and at what cost)
• Which actual plans are available in your zip code
• What the real numbers look like for YOUR situation
• If you’re eligible for programs that could lower your costs
Based on Your Priorities:
Medicare Supplement (Medigap)
- ✓ See any doctor that accepts Medicare nationwide
- ✓ No referrals needed for specialists
- ✓ No prior authorizations required
- ✓ Predictable out-of-pocket costs
- ✓ Stable benefits that don’t change
- ✓ Travel coverage anywhere in the U.S.
- ✗ Higher monthly premiums
- ✗ Requires separate Part D drug plan
- ✗ No dental, vision, or hearing coverage
Medicare Advantage
- ✓ Lower or $0 monthly premiums
- ✓ Often includes prescription drug coverage
- ✓ Extra benefits (dental, vision, hearing)
- ✓ Out-of-pocket maximum for cost protection
- ✓ May include fitness benefits, OTC allowances
- ✗ Must use network doctors and hospitals
- ✗ Referrals usually required for specialists
- ✗ Prior authorization for some services
- ✗ Benefits and networks can change annually
- ✗ Limited coverage when traveling
This quiz gave you a starting direction. But choosing a Medicare plan based on a quiz is like choosing a house based on “Do you prefer 2 or 3 bedrooms?”
You wouldn’t buy a house without seeing it first. Don’t choose Medicare coverage without talking to an expert who can show you the actual options.
📬 Want These Results Sent to Your Inbox?
Enter your name and email and we’ll send your personalized results — including which plan type fits your situation and the key questions to ask before you enroll. No spam, no pressure. Just your results, saved.
Get the Real Answer for YOUR Situation
A generic quiz can point you in a direction. But a licensed Medicare advisor can actually verify your doctors, check your prescriptions, compare real plans in your area, and make sure you’re not leaving money on the table.
So why wouldn’t you at least talk to someone?
Seriously, what do you have to lose?
30 minutes of your time could save you thousands of dollars and prevent coverage mistakes you can’t undo.
Licensed independent advisor • Not tied to any insurance company • Why choose Eligry?
Want to retake the quiz? No problem.
Important Disclaimer
This recommendation is based solely on your answers to the questionnaire and provides general guidance only. Medicare plan selection is a complex decision that should be personalized to your specific situation, including your actual healthcare providers, prescription medications, local plan availability, and complete financial picture. Speaking with a licensed Medicare advisor is required to receive personalized advice and to compare actual plans available in your area. This tool does not constitute professional insurance advice, and Eligry LLC recommends consulting with a licensed advisor before making any Medicare enrollment decisions.