Medicare Advantage vs Medigap: Comprehensive Guide to Choosing the Best Plan (2025)

Dvir MoschePosted in Uncategorized last updated on April 7, 2025

Understanding Your Medicare Options 🤔

Choosing between Medicare Advantage and Medigap can feel overwhelming.

But don’t worry — you’ve come to the right place.

At Palmetto Mutual, we make Medicare simple, clear, and easy to understand.

Whether you’re new to Medicare or just exploring your options for 2025, this guide will explain the key differences so you can make the best choice for your health and budget.

Quick Summary:
👉 Medicare Advantage gives you an all-in-one plan through private insurance companies, replacing Original Medicare.
👉 Medigap (also called Medicare Supplement) works with Original Medicare and helps pay your out-of-pocket costs, like deductibles and copays.

Each option has its pros and cons, and the right one depends on your needs, your doctor preferences, and your travel habits.

Let’s break it all down together — step by step. 😊

What is Medicare? 🏥

Medicare is a government health insurance program for people 65 and older or those with certain disabilities.

It helps cover many health care costs, but not everything is free — that’s why choosing the right plan matters.

🧩 What is Original Medicare?

Original Medicare has two main parts:

Part A (Hospital Insurance):
Covers care in hospitals, skilled nursing facilities, hospice, and some home health care.
Part B (Medical Insurance):
Covers doctor visits, outpatient care, lab tests, and preventive services.

Together, Parts A and B give you basic coverage.

But they don’t cover everything, like prescriptions, dental, or vision — and you still have to pay deductibles and copays.

✅ Who Can Get Medicare?

You’re eligible for Medicare if:

You’re 65 or older, and a U.S. citizen or permanent legal resident.
You’re under 65 with a qualifying disability.
You have End-Stage Renal Disease (ESRD) or ALS.

You can sign up:

During your Initial Enrollment Period (IEP): This is a 7-month window that starts 3 months before you turn 65, includes your birthday month, and ends 3 months after.
During other special or general enrollment periods if you qualify.

💡 Common Medicare Terms Made Simple

Here are a few words you’ll hear a lot. Let’s make them easy:

Premium: The monthly amount you pay to have Medicare.
Deductible: What you pay out-of-pocket before Medicare starts paying.
Copay/Coinsurance: The portion you pay for services after Medicare pays its part.
Network: A group of doctors or hospitals that work with your plan.

🎯 Why Choosing the Right Plan Matters

Medicare isn’t one-size-fits-all. Some plans cost more but give you more freedom to see any doctor. Others are cheaper but have limited networks. Picking the right plan can help you:

Save money 💵
Get the care you need 🩺
Keep seeing your favorite doctors 🧑‍⚕️

Whether you live in Florida, Texas, California, or New York, your Medicare options might look a little different — but the goal is the same: get the best care at the best price.

Understanding Medicare Advantage (Part C) 🌟

Medicare Advantage, also called Part C, is a different way to get your Medicare benefits.

Instead of getting care through Original Medicare (Parts A & B), Medicare Advantage plans are offered by private insurance companies that are approved by Medicare.

📦 What Does Medicare Advantage Cover?

All Medicare Advantage plans must cover everything Original Medicare covers — but most plans offer extra benefits like:

Prescription drug coverage (Part D)
Dental 🦷, vision 👓, and hearing 👂
Gym memberships (like SilverSneakers)
Over-the-counter items
Transportation to medical visits

Many plans come with $0 monthly premiums, though you’ll still need to pay your Part B premium.

✅ Pros and ❌ Cons of Medicare Advantage

Let’s keep it simple:

✅ Pros:

Low or $0 monthly premiums
Extra benefits (dental, vision, prescriptions)
All-in-one coverage (hospital, medical, drug)
Yearly limit on out-of-pocket costs

❌ Cons:

You may have to use network doctors
Referrals may be required to see specialists
Out-of-network care may cost more (or not be covered)
Plans can change every year

🗣 Example:
“I liked my old plan, but the network changed, and my doctor wasn’t in it anymore,” says Linda from Phoenix, AZ. That’s why it’s important to review your plan every year.

🧭 Types of Medicare Advantage Plans

There are a few kinds of Medicare Advantage plans.

Here are the main ones:

HMO (Health Maintenance Organization):
You must use in-network doctors and usually need a referral to see a specialist. Great for people who don’t travel much and want low costs.
PPO (Preferred Provider Organization):
You can see out-of-network doctors, but it’ll cost more. No referrals needed. Good if you travel often or want more flexibility.
SNP (Special Needs Plan):
These are for people with certain health conditions (like diabetes or heart disease) or those with both Medicare and Medicaid. These plans are tailored to your needs.

💵 How Much Does Medicare Advantage Cost?

Costs can vary depending on your plan and location.

Here’s what you might pay:

Monthly Premium: Many plans offer $0 premiums
Copays: Small fees for doctor visits or prescriptions
Maximum Out-of-Pocket Limit: This protects you — once you hit that limit, the plan pays 100% of your costs for the rest of the year

🗣 Example:
Bob in Charlotte, NC pays $0 a month for his plan, but he pays $10 to see his primary care doctor and $35 to see a specialist.

📅 Enrollment Periods for Medicare Advantage

You can join or switch Medicare Advantage plans during:

Initial Enrollment Period (IEP): When you first turn 65
Annual Enrollment Period (AEP): Oct 15 – Dec 7 each year
Open Enrollment Period (OEP): Jan 1 – Mar 31 (for switching from one MA plan to another)
Special Enrollment Periods (SEPs): If you move, lose other coverage, or qualify for extra help

🏆 Top Medicare Advantage Insurance Companies (Nationwide)

When choosing a Medicare Advantage plan, here are some of the biggest and most trusted providers in the U.S.:

UnitedHealthcare Medicare Advantage – one of the largest networks
Humana Medicare Advantage – known for fitness and OTC benefits
Aetna Medicare Advantage – strong nationwide coverage
Blue Cross Blue Shield Medicare Advantage – local options in many states
Cigna Medicare Advantage – helpful extras and member perks

These companies offer plans in states like Texas, Florida, California, New York, North Carolina, and many more.

Exploring Medigap (Medicare Supplement) 🧾

Medigap, also known as Medicare Supplement Insurance, works alongside Original Medicare (Parts A & B).

It helps cover the “gaps” that Original Medicare doesn’t pay — like deductibles, copays, and coinsurance.

Think of it as extra coverage that gives you more peace of mind and fewer surprise bills. 💸

🤝 How Medigap Works With Original Medicare

With Medigap, Medicare pays its share first (usually 80%), and then your Medigap plan helps pay the rest.

You can see any doctor or specialist in the U.S. who accepts Medicare — no networks or referrals needed.

🗣 Example:
Susan from Tampa, FL says, “I travel a lot to visit my kids, and I like knowing my plan works wherever I go. That’s why I chose Medigap.”

✅ Benefits and ❌ Limitations of Medigap

✅ Benefits:

Predictable out-of-pocket costs
See any Medicare doctor nationwide
No referrals needed
Great for people who travel or have frequent medical visits

❌ Limitations:

Monthly premiums can be higher than Medicare Advantage
Doesn’t include prescription drug coverage (you’ll need a separate Part D plan)
Doesn’t offer extras like dental or vision

📘 Most Popular Medigap Plans (F, G, N)

There are several Medigap plans, labeled A through N, but these three are the most popular:

Plan F:
Covers everything Original Medicare doesn’t, including deductibles and coinsurance.
🛑 Only available if you were eligible for Medicare before Jan 1, 2020.
Plan G:
Covers everything except the Part B deductible. A great option for new Medicare enrollees.
Plan N:
Lower premiums, but you pay small copays for doctor and ER visits. Also doesn’t cover excess charges in some cases.

📅 When Can You Enroll in Medigap?

Open Enrollment Period:
Starts the first month you’re 65 and enrolled in Part B. During this time, you can get any Medigap plan with no medical questions asked.
Guaranteed Issue Rights:
You may qualify for a Medigap plan outside open enrollment if you lose other coverage or move — and still skip the health questions.

💡 Tip: Outside these windows, insurance companies can deny coverage or charge more based on your health.

💵 What Does Medigap Cost?

Costs vary by plan type, location, and your age, but here’s a general idea:

Monthly Premiums: Usually between $100–$250/month
Deductibles: Plan G has a small deductible (Part B), Plan F covers all of it
Out-of-pocket Costs: Very low, especially with Plan G or Plan F

🗣 Example:
Mike in Denver, CO pays about $140/month for Plan G and loves the predictability. “I know what I’ll pay, and I don’t worry about big bills.”

🏆 Top Nationwide Medigap Insurance Companies

These trusted insurers offer Medicare Supplement plans across the U.S. and are known for strong service and competitive pricing:

Mutual of Omaha Medigap
Aetna Senior Supplemental Insurance
UnitedHealthcare Medicare Supplements
Cigna Medicare Supplements
Humana Medicare Supplements

Whether you’re in Arizona, Illinois, Georgia, or Pennsylvania, these companies offer reliable coverage for seniors looking for Medigap.

Side-by-Side Comparison: Medicare Advantage vs. Medigap 🆚

Still not sure which one is better for you?

Let’s break it down side-by-side.

This section compares Medicare Advantage and Medigap in the most important areas: coverage, cost, flexibility, and more.

📋 Coverage & Provider Network Comparison

Feature	Medicare Advantage (Part C)	Medigap (Medicare Supplement)
Doctor Choice	Must use plan’s network (HMO/PPO)	Any provider who accepts Medicare 🇺🇸
Referrals Needed	Often required for specialists	Never required
Travel Coverage	Limited (usually local/regional) 🌍	Nationwide coverage
Extra Benefits	Often includes dental, vision, hearing, fitness 🎧	Not included (can buy separately)
Prescription Drugs (Part D)	Usually included	Must be bought separately 💊
Out-of-Pocket Limits	Yes, yearly max (varies by plan)	No limit, but fewer expenses with good plan

💵 Monthly Costs Comparison

Cost Category	Medicare Advantage	Medigap + Original Medicare
Part B Premium	Required	Required
Monthly Plan Premium	Often $0 (but can vary)	$100–$250+ depending on plan 💸
Copays / Coinsurance	Yes, varies by service	Usually none or very little
Deductibles	May apply	Plan G covers all except Part B
Drug Coverage	Often included	Separate Part D plan needed

🗣 Example:
Elaine in Dallas, TX, pays $0/ month for her Medicare Advantage plan but has copays for visits.

Tom in Pittsburgh, PA, pays $150/month for Medigap Plan G but almost never sees surprise bills.

✈️ Travel and Flexibility: Big Differences

Medicare Advantage is best if you stay local and your doctors are in-network.
Medigap is better if you travel often or live part-time in another state — like many snowbirds in Florida or retirees who visit family across the U.S.

💊 What About Prescription Drug Coverage?

Most Medicare Advantage plans include drug coverage (Part D).
Medigap does NOT include Part D, so you’ll need to buy a separate drug plan.

💡 Tip: If you take several prescriptions, be sure to compare drug costs when choosing a plan.

👵 Real-Life Scenarios: When Each Plan Is Better

✅ Medicare Advantage may be better if…

You want low or $0 premiums
You don’t mind using a network of providers
You want extra benefits like dental, vision, or hearing
You live in a big city like Los Angeles, Chicago, or Miami with lots of in-network doctors

✅ Medigap may be better if…

You want nationwide coverage with any Medicare doctor
You travel often or live in multiple states
You want predictable out-of-pocket costs
You don’t need extra perks, just solid medical coverage

🎯 Bottom Line:

Medicare Advantage and Medigap are great options — it just depends on your lifestyle, health needs, and budget.

Still not sure which to choose?

That’s what Palmetto Mutual is here for. 💙

Choosing the Right Medicare Option for Your Needs 🎯

There’s no one-size-fits-all answer when it comes to Medicare.

What’s best for your neighbor may not be right for you.

The good news?

You don’t have to figure it out alone.

Let’s discuss what to consider when choosing between Medicare Advantage and Medigap, using real examples to help make it all make sense.

🧠 Key Factors to Consider

When choosing your plan, think about:

Your health status:
Do you visit doctors or specialists often? Have a chronic condition?
Your travel habits:
Do you stay local or travel often — even out of state?
Your doctors and providers:
Do you want to keep your current doctors? Are they in a Medicare Advantage network?
Your budget:
Do you prefer low monthly premiums with copays, or higher premiums for more predictable costs?
Extra benefits:
Do you want extras like dental, vision, or gym memberships?

📚 Real-World Case Studies

🧓 Joe in Raleigh, NC:
Joe is healthy, doesn’t see the doctor much, and wants to keep costs low.

He picked a $0 Medicare Advantage HMO for dental and vision.

He’s okay with staying in-network.

👵 Diane in Phoenix, AZ:
Diane travels to see family in multiple states.

She has a heart condition and wants to see any specialist without referrals.

She chooses Medigap Plan G for its flexibility and low out-of-pocket surprises.

👴 Paul in Chicago, IL:
Paul is on a tight budget and likes the idea of everything bundled into one.

He goes with a Medicare Advantage PPO with a small premium and drug coverage built in.

Each of them chose what matched their life — and you can too.

🤝 How Palmetto Mutual Makes It Easy

At Palmetto Mutual, we’ve helped thousands of seniors make the Medicare choice that’s right for them.

Here’s how we simplify the process:

✅ We listen to your needs and budget
✅ We check which doctors and hospitals you want to use
✅ We compare plans from top national companies — like Humana, UnitedHealthcare, Aetna, and Mutual of Omaha
✅ We explain your options in plain English — no jargon, no pressure
✅ We help you enroll stress-free, whether in-person or over the phone

🗣 “I was so confused before I talked to Palmetto Mutual. Now I have a plan that fits me perfectly!” – Carol, Florence, SC

The choice between Medicare Advantage and Medigap doesn’t have to be confusing.

With the right help, you can feel confident, informed, and secure in your decision.

Notable Top-Ranked National Hospitals That Accept Medicare 🏥

One of the biggest concerns many seniors have is, “Will I still be able to go to a good hospital with Medicare?”
The answer is: Yes, absolutely!

Many of the best hospitals in the United States proudly accept Medicare patients.

Whether you have Original Medicare with a Medigap or Medicare Advantage plan, you can still access top-quality care, especially if you’re willing to travel or live near these medical centers.

Here are five of the most respected, nationally ranked hospitals that accept Medicare:

🏅 1. Mayo Clinic – Rochester, Minnesota

Known worldwide for expert care in nearly every specialty
Top-ranked in heart care, cancer, neurology, and more
Accepts Medicare and works with many Medicare Advantage plans

🗣 Example: John from Wisconsin traveled to Mayo for advanced heart care, and his Original Medicare with Plan G covered the majority of his treatment.

🏅 2. Cleveland Clinic – Cleveland, Ohio

Famous for its heart center — one of the best in the world 💓
Also top-ranked for urology, geriatrics, and digestive disorders
Works with Original Medicare and select Advantage plans

🗣 Tip: If heart health is your main concern, Cleveland Clinic is a top choice.

🏅 3. Johns Hopkins Hospital – Baltimore, Maryland

Known for cutting-edge research and treating complex conditions
Great for cancer care, rheumatology, and geriatrics
Accepts Medicare and often works with Medigap patients nationwide

🗣 Example: Alice from North Carolina flew to Johns Hopkins for a second opinion on cancer care — and her Medicare Supplement covered the visit.

🏅 4. UCLA Medical Center – Los Angeles, California

Top-ranked in the West Coast 🌴
Excellent for geriatrics, pulmonology, and cancer treatment
Accepts Medicare and many Medicare Advantage HMO/PPO plans in California

🗣 Travel Tip: Snowbirds with Medigap or PPO Advantage plans love UCLA for winter care while staying in sunny L.A.

🏅 5. Massachusetts General Hospital – Boston, Massachusetts

A teaching hospital of Harvard Medical School 🎓
Highly rated in diabetes care, orthopedic surgery, and mental health
Works with both Original Medicare and many Advantage plans in the Northeast

🗣 Example: George from New Hampshire used his Medigap Plan F to receive surgery and follow-up care without network hassles.

No matter where you live — whether it’s Florida, Texas, California, or the Carolinas — knowing that top hospitals accept Medicare gives you more confidence in your coverage.

💡 Want to make sure your plan lets you visit the best doctors and hospitals?
Let Palmetto Mutual help you find the right coverage.

How to Enroll or Switch Medicare Plans 📝

Whether you’re brand new to Medicare or thinking about changing your current plan, it’s important to know how and when to enroll.

Don’t worry — we’ll keep it simple and walk you through everything you need to know.

🪜 Step-by-Step: How Medicare Enrollment Works

New to Medicare?

Follow these steps:

Sign up for Medicare Parts A & B
- Visit ssa.gov/medicare or call Social Security at 1-800-772-1213.
- Most people sign up 3 months before they turn 65.
Choose Between Medicare Advantage or Medigap + Part D
- Decide which path fits your needs best (this guide helps! 😉).
Compare plans in your area
- Look at costs, doctor networks, drug coverage, and benefits.
Apply through the insurance company or with a trusted advisor
- At Palmetto Mutual, we’ll handle everything for you — for free!

📅 Important Timelines & Deadlines

Understanding when you can enroll is just as important as knowing how.

🟦 Initial Enrollment Period (IEP):
Your 7-month window to enroll in Medicare:

Starts 3 months before your 65th birthday
Includes your birthday month
Ends 3 months after

🟩 Annual Enrollment Period (AEP):
October 15 – December 7

Switch from Original Medicare to Medicare Advantage
Switch back to Original Medicare
Change your drug plan (Part D)

🟨 Medicare Advantage Open Enrollment Period (OEP):
January 1 – March 31

If you’re already in a Medicare Advantage plan, you can switch to another or go back to Original Medicare

🔁 Special Enrollment Periods (SEPs): When You Can Make Changes Outside Regular Windows

Life happens — and Medicare gives you flexibility if your situation changes.

You may qualify for a Special Enrollment Period if:

You move to a new ZIP code or state
You lose other coverage, like employer insurance
Your plan leaves your area
You qualify for Medicaid or Extra Help
You move into or out of a nursing home

💡 Tip: SEPs usually last 2 months after the event, but rules vary — so don’t wait too long!

🗣 Example:
Karen in Atlanta moved to Florida to be near her grandchildren.

That move gave her an SEP to pick a new plan in her new state — and Palmetto Mutual helped her get better coverage than before.

No matter where you live — from California to North Carolina to Texas — these enrollment rules apply nationwide.

Need help figuring out if you qualify or want to switch plans?

One quick call to Palmetto Mutual and we’ll guide you through it. 📞

Frequently Asked Questions (FAQs) ❓

When it comes to Medicare, it’s normal to have a lot of questions.

Here are some of the most common ones we hear — with clear answers to help you feel confident in your choice.

🔁 Can I switch from Medicare Advantage to Medigap?

Yes, but timing is important.
You can switch from Medicare Advantage to Medigap during certain times of the year, like:

The Medicare Advantage Open Enrollment Period (Jan 1–Mar 31)
The Annual Enrollment Period (Oct 15–Dec 7)

👉 However, if you’re outside your Medigap Open Enrollment Period, you may have to answer health questions to qualify.

That’s why it’s smart to talk with an expert at Palmetto Mutual before making the switch.

💵 Which Medicare option has lower monthly premiums?

Usually, Medicare Advantage plans have lower premiums, and some even cost $0 per month.

But remember:

You may pay more in copays and out-of-pocket costs with Advantage.
Medigap plans have higher monthly premiums, but often lower medical bills over time — especially if you see doctors often.

🗣 Example:
Jim pays $0/ month for his Advantage plan but has a $45 copay every time he sees his cardiologist. Mary pays $140/month for Medigap but pays nothing for her doctor visits.

✈️ Can I travel with Medicare Advantage?

Yes, but with limits.
Most Medicare Advantage plans only cover you in your local area or state.

If you travel outside your network, you may be responsible for higher costs — or no coverage at all (except for emergencies).

Medigap, on the other hand, works nationwide with any doctor or hospital that takes Medicare — perfect for travelers, snowbirds, or people with family in different states.

💊 Is prescription coverage included in Medigap plans?

No.
Medigap plans do not include drug coverage.

If you choose Medigap, you’ll need to sign up for a separate Part D prescription drug plan.

Most Medicare Advantage plans do include drug coverage, which is one reason some people choose them.

💡 Tip: If you’re taking medications regularly, compare Part D drug plan options carefully—or ask us for help!

Still have questions?

You’re not alone.

That’s why Palmetto Mutual is here — to give you straight answers and help you find the best Medicare coverage for your life. 🙌

Common Misconceptions About Medicare Plans 😕

You’re not alone if you’ve ever felt confused by a TV commercial, mail flyer, or robo-call.

Many seniors are overwhelmed by misleading ads and half-truths about Medicare.

Let’s set the record straight and clear up the most common myths.

🚫 Misconception #1: “You can get all your Medicare benefits plus money back in your Social Security check.”

The truth:
Some Medicare Advantage plans may offer a Part B premium giveback, but it’s usually only a tiny amount (like $50–$100/month) and depends on your ZIP code.
These plans often come with smaller networks, fewer extras, or higher copays.

🗣 Example:
Larry saw a commercial saying he’d “get $170 back.”

After calling, he found out that plan wasn’t even available in his state.

📞 Misconception #2: “If you don’t act right now, you’ll lose your Medicare coverage!”

The truth:
Your Medicare coverage doesn’t just disappear.

Scare tactics like this are common in spam calls and mailers.

You may have deadlines to change or enroll in a plan, but no one can cancel your Medicare unless you tell them to.

💡 Tip: Only trust licensed agents or local advisors like Palmetto Mutual — not random callers or postcards promising “new 2025 benefits.”

❌ Misconception #3: “Medigap is going away soon.”

The truth:
Medigap is not going away.

Some changes happened in 2020 (like Plan F closing to new enrollees), but Medigap plans are still widely available and popular among seniors across the U.S.

🗣 Example:
Deborah in Ohio heard she “had to pick an Advantage plan” because Medigap was ending — not true!

She’s now happily enrolled in Plan G with no network limits.

🏥 Misconception #4: “All plans are the same — just pick the cheapest one.”

The truth:
Plans vary greatly regarding networks, coverage, copays, and drug lists.

The cheapest plan might cost you more in the long run if it doesn’t cover your doctors, prescriptions, or medical needs.

💡 Think of it like this:
Buying Medicare coverage is like choosing a car.

A cheaper one might seem like a deal, but it’s no bargain if it breaks down when you need it most!

At Palmetto Mutual, we help you look beyond the hype and focus on what matters — your health, your doctors, and your peace of mind.

Why Choose Palmetto Mutual for Your Medicare Needs 🏡

When it comes to Medicare, you deserve more than confusing websites, spammy phone calls, and pushy salespeople.

At Palmetto Mutual, we do things differently — and that’s why so many seniors trust us year after year.

💡 We Make Medicare Simple

Whether you’re turning 65 or just want a better plan, we help you:

Understand your options without the jargon
Compare top-rated plans from UnitedHealthcare, Aetna, Humana, Cigna, Mutual of Omaha, and more
Get clear answers to your questions
Enroll in a plan that fits your life and your budget

No stress.

No pressure.

Just honest help.

👥 Local Help You Can Trust — Not a Call Center

You won’t get shuffled through a noisy telemarketing boiler room or tricked by fake “Medicare help line” ads. With Palmetto Mutual, you get:

One-on-one support with a local expert
Face-to-face or over-the-phone guidance
Personalized help tailored to your county, doctors, and prescriptions
A real person you can call back anytime

🗣 “I used to get 10 calls a day during Medicare season.

Palmetto Mutual gave me peace of mind and handled everything for me.” – Glenda, Sumter, SC

🧭 Better Than Trying to Figure Out Medicare.gov Alone

Medicare.gov has lots of information, but it’s not always easy to use.

It won’t tell you:

Which plans cover your specific doctor
Whether your medications are on the plan’s list
What benefits are available in your ZIP code
Which plan will actually save you the most money

Palmetto Mutual handles all of that — and more — at no cost to you.

🗣 “I was totally overwhelmed trying to figure it out on my own. Palmetto Mutual made everything so clear and easy.” – Charles, Wilmington, NC

🌟 Real Stories. Real Results.

✅ “They found me a plan that let me keep my specialist and saved me $80 a month!” – Sarah, Myrtle Beach, SC
✅ “I had no idea I qualified for Extra Help until they showed me.” – David, Fayetteville, NC
✅ “They helped me switch from a plan I didn’t like into one that finally fits.” – Joyce, Florence, SC

No matter where you live — from Charleston to Charlotte, from Greensboro to Greenville — Palmetto Mutual is here to help you make the right Medicare choice.

Conclusion: Let’s Find the Right Medicare Plan — Together 🤝

Choosing between Medicare Advantage and Medigap can be a big decision — but it doesn’t have to be confusing.

Let’s quickly review:

Medicare Advantage offers low premiums, bundled extras like dental and vision, but usually requires using network doctors.
Medigap offers freedom to choose any Medicare doctor nationwide and more predictable costs, but comes with a higher monthly premium and requires separate drug coverage.

🎯 The best choice depends on your health, lifestyle, and budget — and that’s where we come in.

👥 Let Palmetto Mutual Guide You

At Palmetto Mutual, we don’t just sell insurance — we help you feel confident, cared for, and covered.

We’re local. We understand the Medicare plans in your area.
We’re honest. No pressure, just help.
We’re experienced, having helped thousands of seniors in North and South Carolina and beyond.

💬 Ready to Get Started?

Let’s talk one-on-one and find the perfect Medicare plan for you.

👉 Click Here for Your Free Personalized Medicare Consultation
(Or call us today — we’re happy to help by phone too!)

Your health deserves a partner you can trust. That’s Palmetto Mutual.