What is the difference between Medicare Part C and G?


Editorial team Published on

Medicare Part C (Medicare Advantage) is an all-in-one private alternative to Original Medicare, while Medigap Plan G is a supplement policy that fills the gaps in Original Medicare. You cannot enroll in both at the same time.

Medicare Part C (Medicare Advantage)

  • How it works: Private insurance companies approved by Medicare provide your health coverage. It replaces Original Medicare (Parts A and B).
  • Networks: Limits you to specific provider networks like HMOs or PPOs. You may need referrals to see specialists.
  • Cost structure: Often features low or $0 monthly premiums, but you pay pay-as-you-go copays and coinsurance until you reach an annual out-of-pocket maximum.
  • Extra benefits: Usually includes bundled prescription drug coverage (Part D) plus extras like dental, vision, and hearing.

Medigap Plan G (Medicare Supplement)

  • How it works: Works alongside Original Medicare (Parts A and B) as secondary coverage.
  • Networks: Offers nationwide access to any doctor or hospital that accepts Medicare. No referrals or network restrictions apply.
  • Cost structure: Requires a higher monthly premium plus a separate Part D prescription drug plan. Once you pay the annual Part B deductible ($283 in 2026), Plan G covers 100% of approved out-of-pocket costs for Part A and Part B.
  • Extra benefits: Does not include prescription drugs, dental, or vision.

You can review official plan options and guidelines directly on the Medicare Plan Finder.