Every fall, Medicare’s Open Enrollment period brings a flood of commercials and mailers promising “zero-dollar premiums” and “extra benefits.” It’s no wonder so many people feel overwhelmed.
One of the most common points of confusion is the difference between Medicare Advantage (Part C) and Medigap (Supplement) plans. While both help cover healthcare costs beyond Original Medicare, they work in very different ways — and choosing the right one can make a huge difference in your out-of-pocket costs and freedom of choice.
Medicare Advantage plans are offered by private insurance companies approved by Medicare. When you enroll in one, your benefits are bundled together — hospital (Part A), medical (Part B), and often prescription drug coverage (Part D) too.
What to know:
You’ll typically use a network of doctors and hospitals (HMO or PPO).
Out-of-pocket costs vary depending on the plan.
Many include extras like dental, vision, hearing, and even gym memberships.
You pay your regular Part B premium, plus any plan premium.
Best for:
People who want everything under one plan, don’t mind using a network, and want additional benefits like dental or vision.
Medigap plans are also offered by private insurers, but they work alongside Original Medicare — not instead of it. They cover some or all of the deductibles, copays, and coinsurance that Medicare doesn’t pay.
What to know:
You can see any doctor or hospital nationwide that accepts Medicare.
Prescription drug coverage requires a separate Part D plan.
Premiums are usually higher, but your medical bills are much more predictable.
Once enrolled, you typically can’t be dropped for health reasons (as long as you pay your premium).
Best for:
People who travel, see specialists frequently, or want stable, predictable healthcare costs year after year.
Which One Is Right for You?There’s no one-size-fits-all answer. The right choice depends on:
Your health and how often you visit doctors.
Your budget — do you prefer higher monthly premiums or variable costs?
Your lifestyle — do you travel often or stay local?
Your prescriptions and whether your doctors are in-network.
That’s where a licensed insurance advisor can help you compare plans and make sure you’re getting the coverage that truly fits your needs.
This year’s Medicare Open Enrollment period runs from October 15 to December 7.
After that, you’ll need to wait until next year to make most plan changes.
If you’re unsure which option is best, or if your current plan still fits your needs for 2026, now is the perfect time to review your coverage.
At Estrella Solutions LLC, we help you navigate the fine print and find a Medicare plan that works for your life — whether that means a bundled Advantage plan or the freedom of a Supplement plan.
📞 Schedule a free review today
Let’s make sure your next chapter in healthcare is stress-free and affordable.
If you’re approaching age 65, it’s natural to have questions about Medicare and when you should sign up....
