Medicare Advantage vs. Medicare Supplement: Which Should You Choose This Year?
When it comes to Medicare, one of the biggest decisions you’ll face is whether to go with a Medicare Advantage (Part C) plan or stick with Original Medicare plus a Medicare Supplement (Medigap) plan. Both options have their benefits, but the right choice depends on your health needs, budget, and lifestyle.
Medicare Advantage (Part C)
Medicare Advantage plans are offered by private insurance companies and combine hospital (Part A), medical (Part B), and often prescription drug coverage (Part D) into a single plan.
Advantages:
Often include extra benefits like dental, vision, hearing, and fitness.
May have lower monthly premiums.
One ID card and one plan for all your coverage.
Considerations:
Must use doctors and hospitals in the plan’s network (may be limited in rural Montana).
Copays and coinsurance can add up if you have frequent care needs.
Coverage and costs can change each year.
Medicare Supplement (Medigap)
Medigap plans work alongside Original Medicare to help pay for costs like deductibles, copays, and coinsurance.
Advantages:
Freedom to see any doctor nationwide who accepts Medicare — no networks.
Predictable costs, especially if you need frequent medical care.
Great for people who travel often.
Considerations:
Monthly premiums are usually higher than Medicare Advantage.
Doesn’t include prescription drug coverage (you’ll need a separate Part D plan).
Limited extra benefits compared to Advantage.
Which Is Right for You?
There’s no one-size-fits-all answer. Here are some questions to ask yourself:
Do I want lower premiums now, even if it means copays later? → Consider Medicare Advantage.
Do I want maximum flexibility to see any doctor or specialist? → Consider Medigap.
Do I need extras like dental and vision coverage? → Consider Medicare Advantage.
Do I travel frequently or live in a rural area with limited networks? → Consider Medigap.
How Golden Valley Medicare Helps
At Golden Valley Medicare, we help Montana seniors sort through these options with unbiased, one-on-one guidance. Our team compares plans in your area and walks you through the costs, coverage, and benefits - so you can choose the plan that works best for you.
Remember: You can make changes to your coverage during Annual Enrollment (October 15 – December 7, 2025).
Not sure which path is right for you? Schedule your free Medicare review with Golden Valley Medicare today.