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I've asked around among my doctor friends about Medicare Advantage versus Medicare plus Medigap. 100% of the docs have indicated that they would go or have gone with Medicare plus Medigap. The primary reason seems to be the network rules for MA, which limit the docs and hospitals that you can access. In some place, this might not be an issue, but it apparently is in other places. I go on Medicare at the end of the year, and I've almost decided on Medicare and Medigap, as opposed to MA. Another potential reason is that ObamaCare has as a goal the destruction of MA plans. They want everyone on regular Medicare. In fact, they have proposed regs that will limit the coverage of Medigap, but who knows if the regs will ever come into force.
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