Medigap or Medicare Advantage

How are Medigap policies and Medicare Advantage plans different?

This chart is helpful when you need to compare Medicare plans. It explains the main differences between Medigap Insurance and Medicare Advantage Plans:


Medicare Supplement Insurance (Medigap)

Medicare Advantage Plans
(Part C)

Offered by

Private companies

Private companies

Government Oversight


State, but must also follow federal laws

Federal (plans must be approved by Medicare)

Works with

Original Medicare




Gaps in Original Medicare coverage


All Part A- and Part B-covered services and supplies

You must have

Part A and Part B

Part A and Part B

Do you pay a premium


Yes. You pay a premium for the policy and you pay the Part B premium.


Yes. In most cases you pay a premium for the plan and you pay the Part B premium.

Need someone to talk to about enrolling, or a quote?

phone  1-800-568-6670

Call us
Mon-Thu: 8 am to 4:45 pm
Fri: 8 am to 12:30 pm

Medigap Home

Get a Quote

Learn about Medigap

Enroll in Medigap

in Minnesota
in Iowa
in North Dakota
in South Dakota
in Wisconsin

Medigap or Medicare Advantage

Attend a Workshop

Questions to Ask Yourself

Educational Videos

Medigap Links and Education

Billing and Claims Questions

For Policy Holders
For Providers

Medicare Supplement Health Insurance is underwritten by:
Catholic United Financial
Medicare Supplement Administrative Office
PO Box 27248, Salt Lake City, UT 84127-0248

Do you have a billing or claim question about your Medicare Supplement insurance?
Call 1-800-247-1423

Catholic United Financial and its Medicare Supplement insurance policy are not connected with or endorsed by the US Government or the federal Medicare program. Plan options vary depending on where you live. This is a solicitation of insurance. ©2022 Catholic United Financial

MSW919.9    Last update: 10/11/2021