SentinelFamily Insurance
Educational Tool · No Personal Info Required

Medigap or Medicare Advantage — what fits your priorities?

Six honest questions about how YOU want to use Medicare. We'll show you which direction your answers lean — and where it's genuinely a toss-up that's worth talking through with a licensed broker.

This tool is educational and is not an enrollment, recommendation, or solicitation of any specific plan. Plan options vary by ZIP code and change every year.

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Question 1

How important is being able to see ANY doctor or specialist who accepts Medicare?

Medigap lets you see any Medicare-accepting provider nationwide. Most Medicare Advantage plans use a network.

Question 2

How often do you travel outside Illinois (or plan to)?

Medigap works the same in any state. Most Medicare Advantage plans only cover emergencies outside their service area.

Question 3

How much do extras like dental, vision, hearing aids, and gym matter to you?

Medicare Advantage often bundles these. With Medigap you'd buy them separately.

Question 4

Which monthly budget feels more comfortable?

Medigap typically has a higher monthly premium but very predictable out-of-pocket costs. Medicare Advantage usually has $0 or low premium but copays as you use care.

Question 5

How do you feel about prior authorization for tests, procedures, and specialists?

Medicare Advantage plans typically require prior authorization for many services. Medigap (with Original Medicare) generally does not.

Question 6

Which scenario sounds worse to you?

Honest gut check — there's no wrong answer.

We do not offer every plan available in your area. Currently we represent 10 organizations which offer 50+ products in your area. Please contact Medicare.gov, 1-800-MEDICARE (TTY users call 1-877-486-2048) 24 hours a day/7 days a week, or your local State Health Insurance Program (SHIP) to get information on all of your options.

This website is not connected with or endorsed by the United States government or the federal Medicare program.

Ready for actual plan options?

A 30-minute conversation with a licensed independent broker is how you turn priorities into a real plan. We represent 10 Medicare carriers — no captive sales, no pressure.

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