One of the biggest questions we hear every year at Your Insurance Gal Agency is: “What’s the difference between Medicare Advantage and Medicare Supplement plans?” If you’re preparing for the 2026 enrollment year, understanding these differences can help you make the best choice for your health and budget.
Medicare Advantage Plans (Part C)
Medicare Advantage plans are an all-in-one alternative to Original Medicare. Offered by private insurance companies, they bundle hospital (Part A), medical (Part B), and often prescription coverage (Part D).
- Pros: Lower monthly premiums, additional benefits (like dental, vision, and fitness programs), one card for everything.
- Cons: Restricted provider networks, referral requirements, and possible higher out-of-pocket costs if you need more care.
For people who prefer a managed care approach with extra perks, Advantage plans can be a great fit.
Medicare Supplement (Medigap) Plans
Medigap policies work differently. They supplement Original Medicare by covering the “gaps” such as deductibles, coinsurance, and copayments.
- Pros: Freedom to see any doctor that accepts Medicare nationwide, predictable out-of-pocket costs, especially helpful for frequent travelers or snowbirds.
- Cons: Higher monthly premiums, prescription coverage is usually purchased separately with a Part D plan.
Supplements are popular among seniors who want peace of mind and flexibility.
How to Choose for 2026
There’s no single “best” choice—it depends on your lifestyle and health needs. Some important questions to consider:
- Do you travel often or live part of the year outside Washington?
- Are your current doctors in-network for Advantage plans?
- Would you rather pay higher monthly premiums for predictable costs, or lower premiums with more variable expenses?
Our Role as Your Local Medicare Experts
At Your Insurance Gal Agency in Vancouver, WA, we help you compare local Advantage and Supplement plans available for 2026. Since plans can vary year to year, it’s crucial to review what’s changing and how it affects your care.
Final Thoughts
Whether you’re leaning toward Medicare Advantage or Medigap, don’t make the decision alone. We’ll walk you through side-by-side comparisons, so you feel confident in your choice.
Schedule your Medicare review and find the right fit for 2026.
Need Help? Call Your Insurance Gal Agency today at (360) 771-1155 to book your appointment or contact us to send us a message.
