The different types of Medicare Advantage plans are: Health Maintenance Organization (HMO): Provides access to primary care doctors. Preferred Provider Organization (PPO): Allows you to pay less if you opt for doctors and hospitals that belong to the plans network. Special Needs Plan (SNP): Available for those with special health needs. HMO Point-o

Medigap plans require you to pay higher premiums. However, the Medigap's out-of-pocket expenses are quite lower when compared to Medicare Advantage Plans.

Even the best Medicare supplemental plans cannot be combined with Medicare Advantage plans. If you already have a Medigap policy and are looking to change to Medicare Advantage Plan, you cannot use the Medigap policy. You can choose to let go of the Medigap plan after discussing this decision with your State Health Insurance Assistance Program and