Medicare Advantage vs. Supplement — Which Is Right for You?

Once you have Original Medicare (Parts A & B), you choose your path. We compare every option from 8 carriers — free.

Medicare Advantage (Part C)

All-in-one alternative to Original Medicare. Bundles hospital, medical, and usually drug coverage with extra benefits.

Many $0 premium plans available
Prescription drug coverage included
Dental, vision, and hearing
SilverSneakers, gym memberships
OTC allowances and transportation
Annual out-of-pocket maximum

Tennessee carriers: Humana, UnitedHealthcare, Aetna, BlueCross BlueShield of Tennessee, Cigna Healthspring, Wellcare, Devoted Health, Mutual of Omaha

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Medicare Supplement (Medigap)

Works alongside Original Medicare. See any doctor who accepts Medicare — nationwide — no referrals needed.

Any Medicare-accepting doctor, nationwide
No referrals for specialists
Covers copays, coinsurance, deductibles
Standardized plans (A through N)
Plan G and Plan N most popular in TN
Guaranteed renewable

Note: Requires separate Part D plan.

Compare Plan G vs. Plan N →

Our Carrier Partners

We Compare Quotes From 8 of Tennessee's Top Medicare Carriers

Humana

UnitedHealthcare

Aetna

BlueCross BlueShield of Tennessee

Cigna Healthspring

Wellcare

Devoted Health

Mutual of Omaha

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Medicare Advantage vs. Supplement Decision Guide

The real trade-offs between Medicare Advantage and Medigap — coverage, costs, flexibility, and which is right for you.

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Written and reviewed by Darin Weidauer — licensed Tennessee insurance agent (NPN 18580338), Gerontologist (USC Davis School of Gerontology), MBA, Registered Social Security Analyst, and U.S. Air Force veteran. Independent and appointed with 8 Tennessee carriers.Last reviewed September 2, 2026. Plan availability, benefits and costs change every plan year — verify current details at Medicare.gov or 1-800-MEDICARE.