Medicare Advantage vs. Supplement: What Nobody Explains Until It’s Too Late

You finally reached Medicare age... but no one told you how complicated it would be.

There’s a choice you didn’t expect: Medicare Advantage (Part C) or a Medicare Supplement (Medigap) plan. One sounds easy and inexpensive. The other sounds old-fashioned and pricey. But this isn’t just a paperwork decision—it could impact your doctors, your wallet, and your future peace of mind.

Most people don’t fully understand the differences until they run into a problem. By then, switching may not be possible.

Let’s simplify it—before it’s too late.

At Mere, we guide you through Medicare decisions without pressure or confusion.

We’ve helped thousands of individuals like you get it right the first time by explaining real-life trade-offs, not just what’s in the brochure.

Medicare Advantage vs. Supplement: What’s the Difference?

Medicare Advantage (Part C):

• Combines your Medicare Parts A + B into one plan

• Often includes prescription drug coverage (Part D)

• May include extras like dental, vision, gym

• Requires use of a network (often HMO or PPO)

• Lower or $0 monthly premium in many cases

• Copays and coinsurance apply for most services

• May require prior authorizations

Good fit for: Healthy individuals who don’t travel often and want lower upfront costs

Medicare Supplement (Medigap):

• Works alongside Original Medicare (Parts A + B)

• No networks—go to any doctor that takes Medicare

• Usually does not include drug coverage (must add Part D)

• Higher monthly premium

• Very predictable out-of-pocket costs

• No prior authorizations

Good fit for: Those who want maximum flexibility, travel, or have ongoing health conditions

What Most People Don’t Know:

• Once you enroll in a Medicare Advantage plan, you may not be able to get a supplement later—especially if your health changes.

• Not all Advantage plans cover every hospital or specialist—even if they’re "in-network."
  You can only switch plans during specific enrollment periods. Miss them, and you’re stuck.

We’re here to help you choose wisely.

Unlike insurance company reps or call centers, we aren’t here to push a product. We’ll help you:

• Compare the actual costs you’ll pay under each option

• Check if your doctors, hospitals, and prescriptions are covered

• Understand enrollment deadlines and how they impact you

• Prepare for the future—not just today

Here’s the Plan:

1. Schedule a no-cost consultation with our team

2. Bring your list of doctors, meds, and preferences

3. We’ll walk through your options together—no jargon, no pressure

4. Choose a plan that supports your lifestyle and budget

You don’t need to figure this out alone.

Whether you're just turning 65 or thinking about switching plans, the right guide makes all the difference.

Call or text our office at (904) 654-5450 or visit www.merebenefits.com to get started.

Frequently Asked Questions

If Medicare Advantage is free, why would I pay for a supplement?

Advantage plans often come with copays and limited networks. A supplement may cost more monthly but can save you in the long run—especially if you use the healthcare system often.

Can I switch from Advantage to Supplement later?

You may have to pass medical underwriting unless you're still in your Initial Enrollment Period or qualify for a special circumstance. We’ll explain what that means for you.

What about dental and vision?

Many Advantage plans include extras like dental and vision. With a Supplement plan, you can add a separate dental/vision plan. We help with that too.

Will I have coverage when I travel?

Medicare Supplement plans travel with you across all 50 states. Some Advantage plans limit you to emergencies outside your local area.