It is difficult to say which option – Medigap or Medicare Advantage – provides better health outcomes, as it can depend on the individual’s specific healthcare needs and circumstances. While we cannot provide a definitive answer, we will share what we know about health outcomes with both plans.
Health Outcome Overview for Medigap
Both Medigap and Medicare Advantage have their own advantages and disadvantages. Medigap policies supplement Original Medicare and provide more comprehensive coverage, which can lead to better health outcomes for those with significant healthcare needs. Medigap plans also do not have networks, so individuals have the freedom to see any provider that accepts Medicare, which can lead to better access to care. Unfortunately, our team here at Senior65.com have been unable to find hard data that shows those patients on Medigap have better medical treatment outcomes.
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Health Outcome Overview for Medicare Advantage
Medicare Advantage plans, on the other hand, are offered by private insurance companies and typically have a regional network of providers. These plans may offer additional benefits beyond Original Medicare, such as vision or dental coverage, which can be beneficial for some individuals’ health.
Medicare Advantage plans also have limits on certain services and providers, which Medigap does not have. This could mean that in some cases, people with Medicare Advantage may have to go through more hurdles to get the care they need. We have learned that those on Medicare Advantage scored the plan lower on measures such as receiving care in the highest-rated hospitals for cancer care or in the highest-quality skilled nursing facilities and home health agencies (Source).
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Summary of the Medicare Insurance Health Outcomes Debate
It’s important to note that both Medigap and Medicare Advantage plans are required to cover certain essential benefits, such as hospitalization and doctor visits, which means that in terms of core coverage, both options should provide similar outcomes. However, depending on your needs, one may be better suited than the other. It’s important to evaluate your own healthcare needs and preferences when choosing between Medigap and Medicare Advantage. To review your options with one of our licensed agents, please give us a call at 800-930-7956. There is no hidden fee or charge to work with us.