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Two Senior Women Riding Bicycles on the BeachMedicare Supplement vs Medicare Advantage

Medicare Supplement plans offer the maximum in doctor choice flexibility and international coverage benefits.

  • Medicare Supplement plans may help pay for out-of-pocket costs under Medicare Part A (hospital insurance) and Medicare Part B (medical insurance).
  • Medicare Supplement plans sold today don’t cover prescriptions. But you can sign up for a stand-alone Medicare Part D prescription drug plan.
  • In most states, there are up to 10 different Medigap basic benefits options to choose from.
  • Medicare Supplement plans are labeled A, B, C, D, F, G, K, L, M, and N (Plans E, F, H, I, and J are no longer available).

Medicare Advantage plans called MAPD or MA plans may offer $0 cost options and a variety of “extra” no cost benefits – such as:

  • Prescription Drug benefits (MAPD)
  • Dental benefits
  • Hearing/Hearing aid benefits
  • Vision benefits
  • Silver and Fit, Silver Sneakers benefits
  • Much more

You have two options to replace or enhance your Original Medicare Coverage. One option, called Medicare Advantage plans, are an alternative way to get Original Medicare benefits.

The other option, Medicare Supplement (or Medigap) Insurance plans work alongside your Original Medicare coverage.

These plans have significant differences when it comes to costs, benefits, and how they work.