Medicare Advantage vs. Supplement — Which Is Right for You?

Once you have Original Medicare (Parts A & B), you choose your path. We compare every option from 10 carriers — free.

Medicare Advantage (Part C)

All-in-one alternative to Original Medicare. Bundles hospital, medical, and usually drug coverage with extra benefits.

Many $0 premium plans available
Prescription drug coverage included
Dental, vision, and hearing
SilverSneakers, gym memberships
OTC allowances and transportation
Annual out-of-pocket maximum

Colorado carriers: Humana, UnitedHealthcare, Aetna, Anthem Blue Cross Blue Shield, Devoted Health, Kaiser Permanente, Select Health, Clear Spring Health, Wellcare, HealthSpring

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Medicare Supplement (Medigap)

Works alongside Original Medicare. See any doctor who accepts Medicare — nationwide — no referrals needed.

Any Medicare-accepting doctor, nationwide
No referrals for specialists
Covers copays, coinsurance, deductibles
Standardized plans (A through N)
Plan G and Plan N most popular in CO
Guaranteed renewable

Note: Requires separate Part D plan.

Compare Plan G vs. Plan N →

Our Carrier Partners

We Compare Plans From 10 of Colorado's Top Medicare Carriers

Humana

UnitedHealthcare

Aetna

Anthem BCBS

Devoted Health

Kaiser Permanente

Select Health

Clear Spring Health

Wellcare

HealthSpring

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Medicare Advantage vs. Supplement Decision Guide

The real trade-offs between Medicare Advantage and Medigap — coverage, costs, flexibility, and which is right for you.

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Written and reviewed by Darin Weidauer — licensed Colorado insurance agent (NPN 18580338), Gerontologist (USC Davis School of Gerontology), MBA, Registered Social Security Analyst, and U.S. Air Force veteran. Independent and appointed with 10 Colorado carriers.Last reviewed September 2, 2026. Plan availability, benefits and costs change every plan year — verify current details at Medicare.gov or 1-800-MEDICARE.