🔍 FREE Medicare Comparison Tool

Medicare Advantage vs. Medicare Supplement: Find Your Perfect Match

Get personalized Medicare recommendations in minutes. Our interactive tool analyzes your needs, location, and budget to recommend the best Medicare coverage option for your situation.

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Personalized Analysis

Tailored recommendations based on your age, health status, budget, and location

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Cost Comparison

Compare real costs including premiums, out-of-pocket maximums, and total annual expenses

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State-Specific Data

Pricing and penetration data for Hawaii, New York, California, Florida, and Texas

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Understanding Your Medicare Options

Medicare Advantage (Part C)

Lower monthly premiums (often $0-50/month)
Often includes extras like dental, vision, hearing aids
Prescription drug coverage usually included
Network restrictions - limited doctor and hospital choices
Geographic limitations for non-emergency care
Plan benefits can change annually

Medicare Supplement (Medigap)

Nationwide coverage - any Medicare doctor or hospital
Predictable costs with comprehensive coverage
No referrals needed for specialists
Plan benefits guaranteed renewable
Higher monthly premiums (varies by state)
No prescription drug coverage (need separate Part D)

Medicare Supplement Costs by State

Hawaii

$102/mo
9% penetration
Lowest penetration

Texas

$120/mo
30% penetration
Best value

Florida

$150/mo
28% penetration
Growing market

California

$200/mo
25% penetration
Largest market

New York

$304/mo
21% penetration
Highest cost

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