Medicare Advantage
Medicare Advantage is a private-plan way to receive your Medicare benefits. The insurer administers coverage, and network, referral and authorization rules can apply. Many plans include Part D drug coverage.
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Medicare coverage
Two approaches. Different considerations.
Understand the structural differences between Medicare Advantage and Medicare Supplement / Medigap.
Medicare Supplement / Medigap
Medigap works alongside Original Medicare to help with certain out-of-pocket costs. It is not a replacement for Original Medicare and is not a PPO. Prescription drug coverage is generally arranged separately through Part D.
Enrollment rights matter
Medigap open enrollment and guaranteed-issue rights are different from Medicare Advantage election periods. Moving from Medicare Advantage to Medigap later may involve medical underwriting unless a protected right applies. Ask Scott about your timing before making a change.
No universal answer
Neither approach is universally right for everyone. Scott can explain the relevant considerations personally. This page adapts the supplied comparison handout while omitting product-benefit and cost claims from the public website.
General education only, not a plan recommendation or legal, tax or investment advice. Coverage and enrollment rules depend on individual circumstances. Source handouts with amounts are labeled for 2026; consult Medicare.gov and Social Security for current information. Do not send completed forms or sensitive identification information through this website.