Medigap or Medicare Advantage?
Let's figure out what fits.

Medigap is another name for Medicare Supplement insurance. It works alongside Original Medicare and helps pay the deductibles and coinsurance that Original Medicare does not cover, while letting you see any doctor who accepts Medicare. Medicare Advantage replaces Original Medicare through a private plan with its own network. Understanding which one fits your situation is exactly why meeting with a licensed Medicare agent matters. Many people are either spending more than they need to or missing out on benefits they qualify for.

It depends on your individual situation. A side by side comparison based on your specific doctors, prescriptions, and budget is the only way to know which fits you. I do that comparison at no cost to you. Without that review, most people end up either overpaying or leaving benefits on the table they did not know existed.

Yes. Medicare Advantage does cover hospital stays and surgeries. One of the most common misconceptions is that it does not. What Medicare Advantage may have is a copay for hospital admissions, which is where a Hospital Indemnity plan can help by covering those out of pocket costs when you do have a stay. Understanding exactly what your plan covers before you need it is one of the most important reasons to sit down with a licensed Medicare agent. Many people find out too late that they were either spending more than necessary or missing coverage they could have had.