Compare your paths
Advantage or Supplement?
These are two different ways to manage the costs and coverage gaps left by Original Medicare. The better fit depends on what you value most.
Side by side
Start with the structural differences.
Exact benefits, costs, availability, and enrollment rights depend on your circumstances.
Private plan provides Part A and B benefits
Original Medicare remains primary; policy supplements certain costs
Generally uses a plan network and service area
Generally any provider nationwide who accepts Medicare
Included in many plans
Usually requires a separate Part D plan
Often lower premium with costs as care is used
Separate premium with more predictable covered medical costs
May include dental, vision, hearing, or fitness
Focused on supplementing Original Medicare cost-sharing
The right answer is personal.
A useful comparison considers your doctors, medications, budget, travel, and health needs.