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Four Reasons Why You May Want to Switch From Medicare Advantage to Medigap

Are you considering switching from a Medicare Advantage plan to a Medigap policy but aren’t sure if it’s the right decision for you? If so, read on to find out four reasons why you may want to consider making the switch, and how Medicare Sharks in South Florida can help!

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Greater Choice of Healthcare Providers

Medicare Advantage plans often require you to use doctors and hospitals within their network, while Medigap policies allow you to use any healthcare provider that accepts Medicare. If you're unhappy with your current provider options, switching to Medigap could give you more freedom to choose.

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Standardized Coverage

Medigap policies have standardized coverage benefits across all plans that are lettered A-N, which may make it easier to compare plans and find the right one for your needs. This is especially true when receiving guidance from one of our experienced Medicare agents in South Florida. In contrast, Medicare Advantage plans may change their coverage rules and benefits from year to year, making it difficult to plan for future healthcare costs.

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No Network Restrictions

Medicare Advantage plans may limit the services and providers you can use, and if you need care outside of their network, you may need to get prior authorization or pay higher costs. Medigap policies have no such restrictions, meaning you can travel and receive healthcare when and where you need it. That’s why we recommend them for individuals who are constantly on the move.

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More Predictability

Medigap policies typically have higher premiums, but also have lower out-of-pocket costs, making it easier to predict and budget for healthcare costs. Medicare Advantage plans may have lower premiums, but can have unpredictable costs that can quickly add up if you need a lot of care. No matter which one you choose, rest assured that we can help you find the best Medicare plan for your budget.


Making the switch to a new Medicare plan can seem intimidating, but Medicare Sharks makes the process straightforward and easy to understand. Let us help you navigate the differences between Medicare Advantage and Medigap policies, so you can find the plan that fits your healthcare needs. Contact us today to get started!

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