Medicare Advantage vs. Supplement: Which Type Is Right for You?
Answer a few questions to get a personalized starting point — then talk to a licensed independent advisor who can compare every plan available to you.
Created by Cindy Kowalski — an independent Medicare advisor who compares plans from multiple carriers, not just one.
Takes just 2–3 minutes • Independent advisor • No obligation
Question 1 of 11
When are you enrolling in Medicare?
Your enrollment timing affects your plan options and eligibility for certain Medigap protections.
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?
With Medicare Advantage, routine care is generally limited to your plan's network and service area, although emergency and urgently needed care are covered nationwide. Medigap plans work with any Medicare-accepting provider anywhere in the U.S.
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 plans often include drug coverage. Medigap does not include it, so you would add a separate Part D plan if you want prescription coverage.
How important are extra benefits like dental, vision, and hearing?
Some Medicare Advantage plans include these extras, while Medigap plans typically don't. Benefit availability and scope vary by plan and location.
How do you feel about referrals and prior authorizations?
Some Medicare Advantage plans require referrals to see specialists, and many require prior authorization for certain services. Original Medicare generally has very few such requirements.
How do you feel about reviewing and potentially changing plans annually?
Medicare Advantage plan benefits, networks, and costs can change each year. Medigap plan benefits are standardized and generally remain consistent, though premiums may change.
What's your top priority in choosing a Medicare plan?
This helps us fine-tune your recommendation to what matters most to you.
Where does your Medicare coverage stand right now?
Federal "trial right" protections depend on the exact path you took into Medicare, so this question is more specific than it looks.
Your results are ready.
Enter your details to see your personalized Medicare recommendation. Cindy will also reach out personally — already knowing your answers.
Your privacy is protected. Your details go only to Cindy Kowalski and are used solely to help you with your Medicare options.
Here's Your Personalized Starting Point
⏳ You may have a Medicare Advantage trial right.Trial rights are time-sensitive: you generally must apply for the Medigap policy no earlier than 60 days before your Advantage coverage ends and no later than 63 days after it ends. Whether you qualify depends on your exact enrollment dates, so it's worth confirming with Cindy before you act.
🎯 What Your Answers Reveal
⚠️ But Here's What This Quiz Can't Tell You:
• Whether your specific doctors are in-network
• If your prescriptions are covered (and at what cost)
• Which plans are actually available to you where you live
• 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)
✓ Accepted by any provider nationwide that accepts Medicare
✓ No referrals needed for specialists
✓ Very few prior authorization requirements compared with Medicare Advantage
✓ Predictable out-of-pocket costs, depending on which standardized plan you choose
✓ Standardized benefits that generally remain consistent from year to year
✓ Works with any Medicare-accepting provider when you travel
✗ Higher monthly premiums
✗ No drug coverage included — a separate Part D plan is needed for prescriptions
✗ No built-in dental, vision, or hearing coverage
Medicare Advantage
✓ Lower or $0 monthly plan premiums (you still pay your Medicare Part B premium)
✓ Often includes prescription drug coverage
✓ Many plans include dental, vision, and hearing benefits
✓ Annual out-of-pocket maximum for cost protection
✓ May include fitness benefits, OTC allowances, and other extras
✗ Most care is provided through plan networks; PPOs may allow out-of-network care at higher cost
✗ Some plans require referrals to see specialists
✗ Many plans require prior authorization for certain services
✗ Plan benefits, networks, and costs can change annually
✗ Routine care coverage generally limited to plan's service area
I'm appointed with most major Medicare carriers, but my priority is helping you make the right decision. I'll explain every Medicare option available to you—even those I can't enroll you in—so you understand the complete picture before choosing a plan. My role is education first, sales second.
Not affiliated with or endorsed by the government or federal Medicare program.
💡 The Bottom Line
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 every plan available to you.
Want to retake the quiz? No problem.
✓ 100% Free • Zero Cost • No Obligation Ever
Get the Real Answer for YOUR Situation
A quiz points you in a direction. A licensed independent advisor can actually verify your doctors, check your prescriptions, compare every plan available to you, and make sure you're not leaving money on the table.
✔Verify your doctors are in-network
✔Check your actual prescription costs
✔Compare every plan available to you
✔Explain everything in plain English
✔Find programs that may lower your costs
✔Independent — not tied to any single carrier
It costs you $0.00 So why wouldn't you at least have the conversation?
Seriously, what do you have to lose? A free conversation with an independent advisor could save you thousands of dollars and prevent coverage mistakes you can't undo.
Licensed independent advisor • I represent multiple carriers, not just one • Why choose Eligry?
Want to retake the quiz? No problem.
Ready to See What This Looks Like for You?
Your quiz result is a starting direction. The next step is a real comparison built around your doctors, your prescriptions, and where you live — with a licensed independent advisor who explains every Medicare option appropriate for your situation.
No cost. No obligation. Cindy Kowalski, licensed independent Medicare advisor · NPN 21601670
I'm appointed with most major Medicare carriers, but my priority is helping you make the right decision. I'll explain every Medicare option available to you—even those I can't enroll you in—so you understand the complete picture before choosing a plan. My role is education first, sales second.
Not affiliated with or endorsed by the government or federal Medicare program.
Important Disclaimer
This tool provides general educational guidance based on your answers and does not constitute professional insurance advice. Medicare plan selection is a complex, individualized decision that depends on your specific healthcare providers, prescription medications, local plan availability, and complete financial picture. Speaking with a licensed Medicare advisor is recommended if you'd like personalized guidance and help comparing plans available in your area. Eligry LLC recommends consulting with a licensed advisor before making any Medicare enrollment decisions.