Medicare 101: Advantage vs. Supplement Plans in Vancouver, WA (2025 Guide)
Confused about Medicare Advantage vs. Medicare Supplement? Learn the differences and how to choose the right plan in Vancouver, WA for 2025.
If you're turning 65 or reviewing your Medicare options for 2025, you've probably seen the two main paths: Medicare Advantage (Part C) and Medicare Supplement (Medigap). Both can be good choices—but the right one depends on your doctors, prescriptions, budget, and lifestyle.
As a local, independent Medicare broker in Vancouver, WA, I walk clients through this decision every day. Here's a clear breakdown to help you get started.
Medicare Advantage (Part C)
How it works:
- • Combines Part A (hospital) and Part B (medical) into one plan.
- • Usually includes Part D (drug coverage).
- • Often adds extras like dental, vision, hearing, or fitness.
- • Uses provider networks (HMO or PPO).
Pros:
- • Lower or even $0 monthly premiums (you still pay your Part B premium).
- • One ID card for everything.
- • May cover services not in Original Medicare.
Cons:
- • Must use network doctors (except emergencies).
- • Out-of-pocket costs vary by plan.
- • Plans can change each year.
Medicare Supplement (Medigap)
How it works:
- • Works alongside Original Medicare (Parts A & B).
- • Helps pay deductibles, coinsurance, and copays.
- • Does not include drug coverage (Part D is purchased separately).
Pros:
- • Freedom to see any provider nationwide who accepts Medicare.
- • Predictable costs and strong coverage for hospital/medical bills.
- • Great for frequent travelers or snowbirds.
Cons:
- • Higher monthly premium than Advantage plans.
- • Must buy a Part D plan separately for prescriptions.
- • Premiums can rise with age or inflation.
How to Choose in Vancouver, WA
When I sit down with clients in Clark County, we look at three key things:
Key Decision Factors:
1. Doctors and Hospitals
Do you want the freedom to see any provider, or are you comfortable in a local network?
2. Prescriptions
Which plans cover your medications affordably at your pharmacy?
3. Budget
Do you prefer a lower monthly premium with variable costs (Advantage), or a higher monthly premium with predictable costs (Supplement)?
Every situation is unique—that's why I recommend a personal consultation.
Next Steps
Ready to Compare Plans?
I'll help you understand your options and find the Medicare plan that fits your needs and budget. No cost to you for my help.
Appointments are available by phone, Zoom, or in-office at 1101 SE Tech Center Dr #140, Vancouver, WA 98683.
Important Disclosure
American Senior Choices is not affiliated with or endorsed by the U.S. government or the federal Medicare program. We do not offer every plan available in your area. Any information we provide is limited to the plans we do offer. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program to get information on all your options.