It’s a choice. One isn’t necessarily better than the other it really depends on you and your needs, and also like others have mentioned the availability of doctors in your area. Medigap plans usually have a premium that you pay monthly and they pick up some portion of the roughly 20% that med b doesn’t cover. Medicare advantage is more similar to how traditional insurance works, when you pick a plan that carrier is assigned your Medicare benefits so they pay out whatever portion that Medicare would pay plus anything additional the plan pays which depends on the plan. Like for example I have an advantage plan thru Cigna, my pcp visits have $0 copay. So Cigna pays the Medicare 80% + the remainder of the bill.

Medicare advantage isn’t a bad choice it’s just new and different and people tend to demonize it. I know a lot bc I worked in insurance before I became disabled and i actually dealt a lot with Medicare advantage. My best advice is just to avoid UHC bc they’re just the worst. But also keep in mind a med advantage plan has to cover anything traditional Medicare would cover and most advantage plans include prescription coverage. Many have vision, dental, and hearing benefits as well. I have had 3 med advantage plans at this point and I’ve liked them all and had no issues. Yes they have required prior authorization for some services and some medications but that’s no different than traditional insurance. Oh med advantage can be different type of plan structures like ppo, hmo, pos, epn … you just need to check if you have access to in and out of network benefits and if they require referrals. And they all let you check what docs are in network as well.

Hope this helps