When it comes to Medicare, one of the most important—and often confusing—decisions you’ll make is choosing between Medigap (Medicare Supplement Insurance) and a Medicare Advantage Plan. Both options help cover the “gaps” in Original Medicare, but they work very differently.
If you live in Prescott, AZ, this decision can be even more personal based on local healthcare access, lifestyle, and budget. Let’s break it down in a way that makes sense—so you can make a confident, informed choice.
Local Medicare Insurance Agent in Prescott, AZ
📍Ed McMahan Medicare Insurance
3623 Crossings Dr, Ste 277, Prescott, AZ 86305
📞 Phone: (928) 379-0172
📧 Email: edmcmahan2020@gmail.com
What Is Medigap?
Medigap is a supplemental insurance plan that helps pay for out-of-pocket costs not covered by Original Medicare, like copayments, coinsurance, and deductibles.
Key benefits:
- Freedom to see any doctor nationwide who accepts Medicare
- No network restrictions
- Predictable monthly premium and fewer surprise costs
- Great for people who travel or want consistent coverage
Prescott example:
Mary, a 70-year-old retired teacher in Prescott, chose a Medigap Plan G. She wanted the freedom to visit specialists in Phoenix without worrying about network restrictions—and liked that her out-of-pocket costs are nearly zero.
What Is Medicare Advantage (Part C)?
Medicare Advantage is an all-in-one alternative to Original Medicare. Offered by private insurance companies, it usually includes hospital, doctor, and often prescription drug coverage.
Key benefits:
- Often lower monthly premiums than Medigap
- May include extras like vision, dental, and gym memberships
- Local provider networks
Prescott example:
John, a 68-year-old retiree on a fixed income, chose a Medicare Advantage plan with a $0 monthly premium. His plan includes dental coverage and telehealth options, which work great with his local doctor in Prescott Valley.
So… Which One Is Right for You?
That depends on your health needs, budget, and lifestyle:
| Consideration | Medigap | Medicare Advantage |
|---|---|---|
| Monthly Premium | Higher | Often Lower or $0 |
| Out-of-Pocket Costs | Very Low | Can vary (copays, coinsurance) |
| Doctor Flexibility | Nationwide (any Medicare provider) | Local Network Required |
| Prescription Coverage | Bought Separately (Part D) | Usually Included |
| Travel Coverage | Ideal for Travelers | Limited outside service area |
Need Help Deciding? Let’s Talk.
Choosing between Medigap and Medicare Advantage is not one-size-fits-all—especially in a place like Prescott, where access and lifestyle needs vary widely. That’s why working with a local Medicare broker makes all the difference.
I’ll sit down with you, compare the best plans available right here in Yavapai County, and guide you toward the right choice for your life and budget.
📍Ed McMahan Medicare Insurance
3623 Crossings Dr, Ste 277, Prescott, AZ 86305
📞 Phone: (928) 379-0172
📧 Email: edmcmahan2020@gmail.com
Call or email today for your free Medicare plan review. No pressure—just honest, local advice to help you feel confident in your healthcare decisions.