Two plan types. One decision that shapes your coverage.
Licensed in Texas, California, and Indiana — covering the rules that apply where you actually live.
Before you compare premiums, it helps to understand how these two approaches are structured — because they work on fundamentally different logic, and choosing between them starts with your doctors, not an ad.
One covers your share. One replaces the whole system.
Medigap works alongside original Medicare — you keep your Medicare and the Medigap policy pays costs Medicare doesn't cover, like copays and deductibles.
Medicare Advantage replaces original Medicare entirely. A private insurer runs your coverage, usually inside a network of specific doctors and hospitals.
Works alongside original Medicare
Replaces original Medicare with private coverage
Any doctor who accepts Medicare accepts your Medigap plan. No network restrictions. Predictable costs. Higher monthly premium in exchange for fewer surprise bills.
Often lower monthly premiums, but your doctors must be in-network. Costs at the point of care — copays, prior authorizations — vary by plan and change each year.
What you actually pay depends on more than one number.
Out-of-pocket maximums, drug formularies, and network limits all affect your annual costs. A lower premium can mean higher exposure when you actually need care.
Reviewing the full cost picture — not just the monthly figure — is where a one-to-one plan review pays off. Your specific prescriptions and doctors change the math.
Ready to see which plan fits your situation?
Bring your doctors, your prescriptions, and your questions. We look at your actual situation — licensed in TX, CA, and IN — and find the plan that fits.