This is a Trick Question. There is no plan that is better than the other. Sales people might try to sell you on a plan, but a broker will help you chose a plan that is best fitted to your needs. In Stuart or Palm City, we help you find plans that cover your specific needs and educate you on the positive and negatives of each plan

This is a key distinction. With a Medigap (Supplement) plan, you can go to any doctor or hospital in the U.S. that accepts Medicare—no referrals are needed. Medicare Advantage plans typically use local networks (like an HMO or PPO). You will usually need to use doctors, specialists, and hospitals that are in the plan's network to keep your costs low.

It depends on how you look at costs. Medicare Advantage plans often have low or even $0 monthly premiums, but you will have co-pays and co-insurance as you use services. Medigap plans have a higher, fixed monthly premium, but they can cover nearly all of your out-of-pocket costs, leading to more predictable expenses. The best choice depends on your budget and how you prefer to pay for your care, and we can compare the exact costs of plans available here in Stuart or Palm City.

Most Medicare Advantage plans bundle prescription drug coverage (Part D) right into the plan. With Medigap, drug coverage is not included. If you choose a Medigap plan, you will need to purchase a separate, standalone Prescription Drug Plan (Part D) to have coverage for your medications.