If you learned your Medigap premium is going up – significantly – you’re not alone. Here are some things to think about as you shop.
You have options. You can choose the health coverage that's best for you.
Two plan choices will cover what Original Medicare (Parts A and B) does not.
Both:
Medigap plans | Medicare Advantage plans |
|---|---|
Work side-by-side with Original Medicare and helps pay deductibles, coinsurance or copayments that Original Medicare doesn’t cover | Offer everything Original Medicare does, plus more |
Allow you to go to any doctor that participates with Medicare | Offer a network of doctors, but some also offer out-of-network coverage |
Doesn't usually include prescription drug coverage, so you'll need to purchase a Part D plan separately | Often includes prescription drug coverage and other extras like dental coverage and gym memberships |
Tend to have lower monthly premiums |
Learn more about the differences between Medicare Advantage and Medigap with our Medicare Explained video series.
Medigap | Medicare Advantage |
|---|---|
If you use more health care services (doctor visits, tests, surgeries, etc.) a Medigap plan may be the better option. | If you go to a doctor often or have multiple tests or surgeries, a Medicare Advantage plan may be the better option. |
Depending on the plan, you may pay more in monthly premiums, but less when you use services. | Depending on the plan, you pay less in monthly premiums in exchange for a copayment or coinsurance when getting care. |
These plans don't have a maximum out-of-pocket limit, so you could end up paying more than if you had a plan with a capped limit. | With these plans there's a maximum out-of-pocket limit you pay, after which the plan takes over 100%. |
Medigap | Medicare Advantage |
|---|---|
Generally have higher monthly premiums and low or no costs when seeking services. | You'll usually pay less in monthly premiums with a Medicare Advantage plan than Medigap. Premiums start as low as $0 per month and can go up to $200. These plans have a maximum out of pocket amount, meaning you know how much you could end up paying per year. |
View prices for Priority Health Medicare Advantage plans.
Medigap | Medicare Advantage |
|---|---|
You get the flexibility to see any provider who accepts Medicare throughout the United States. | All plans include coverage for emergency and urgent care, including a hospital stay, no matter where you are in the United States. |
Medigap | Medicare Advantage |
|---|---|
Usually don't offer any extra support tools. | Offer extras to their members, such as gym memberships and care managers. |
See what plan works best for you:
Compare plans
Or call one of our Medicare Experts at 877.230.1599 from 8 a.m. to 8 p.m., seven days a week. TTY users should call 711.
You can also visit medicare.gov to see plans available near you.
NOTE:Out-of-network/non-contracted providers are under no obligation to treat Priority Health Medicare members, except in emergency situations. For a decision about whether we will cover an out-of-network service, we encourage you or your provider to ask us for a pre-service organization determination before you receive the service. Please call our customer service number or see your Evidence of Coverage for more information, including the cost-sharing that applies to out-of-network services.