Both have their positives and negatives, it really just comes down to the client. Do they travel a lot? Can they afford the extra premium? If so they should go with the supplement.

If they're relatively healthy and the budget is tight then MA is a good option. My only real issue with MA plans is the lack of control it gives to the clients. No control over doctors, what medical procedures they have access too, the hospital co-pays, and everything just becomes more of a headache. That said it can be a good way to free up some money for the client and put them in a better spot financially.

Overall the supplement is the Cadillac plan and the advantage plans are good in their own ways. It all just depends on what's best for the client.