Why should I get Medigap instead of Medicare Advantage?

The information in the table below can help people work out whether they would benefit from switching to a Medigap plan:

Pros	Cons
Costs: If someone is not within the first 6 months of their Medigap OEP, an insurance company does not have to sell them a policy. If an insurance company does sell them a Medigap policy, they may need to pay a higher monthly premium.	Costs: If a person is not within the first 6 months of their Medigap OEP, an insurance company does not have to sell them a policy. If an insurance company does sell them a Medigap policy, they may need to pay a higher monthly premium.
Fewer out-of-pocket costs: A Medigap policy can make healthcare expenses more predictable.	Coverage: Medigap plans do not provide additional benefits that Medicare Advantage may offer, such as dental or vision care.
Overseas treatment: Several Medigap plans offer some degree of coverage for healthcare costs in foreign countries. Medicare Advantage plans do not usually cover overseas treatment.	Medical underwriting: If a person did not enroll in Medigap during their 6-month enrollment period, they may have to complete medical underwriting for an insurance company to cover them. People with preexisting medical conditions may not qualify.