Medigap vs. Medicare Advantage

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Compare Medicare Supplement vs. Medicare Advantage Plans

It's easy to feel overloaded with information on the many types of plans. To help simplify things, you can divide all plans into two different types, Medicare Supplement (also called Medigap) or Medicare Advantage (also called Medicare Part C).

Medicare Supplement plans are by far the most popular in Maryland, D.C. and Northern Virginia. And although there are some Medicare Advantage plans with very affordable rates, it's smart to consider the core differences between these options so you can make the choice that's right for you.

Protect yourself and your savings with a CareFirst MedPlus Medicare Supplement plan.

Full coverage at any provider that accepts Medicare Yes No. You must use a specific network of doctors and hospitals that varies by plan. Outside of that network, you pay more.
Visit any doctor or specialist that accepts Medicare at any time Yes Not typically. Most plans require you to choose a primary care doctor and get referrals to see a specialist.
Nationwide coverage Yes Many plans only offer full coverage for emergency care when away from home.
Enroll or switch plans at any time Yes* You must adhere to very specific enrollment and disenrollment periods defined by Medicare.
Foreign travel emergency care benefits Offered by most plans Not typically covered. Be sure to check for overseas coverage.

*Please note you could be subject to medical underwriting and coverage could be denied if you are outside of your initial open enrollment period.

In some states, Medicare Supplement plans are available for under age 65 disabled individuals that are eligible for Medicare.

Neither CareFirst MedPlus nor its Medicare Supplement insurance policies are connected or endorsed by the U.S. government or the federal Medicare program.

In the District of Columbia and Maryland, CareFirst MedPlus is the business name of First Care, Inc., which is an independent licensee of the Blue Cross and Blue Shield Association. In Virginia, CareFirst MedPlus is the business name of First Care, Inc. of Maryland (used in VA by: First Care, Inc.). ® Registered trademark of the Blue Cross and Blue Shield Association.

This is a solicitation of insurance.

In Northern Virginia, Medicare Supplement policies are only available to persons residing east of State Route 123.