Why do some people say Medicare Supplement plans are the best and Medicare Advantage plans are terrible? Why do others claim that once you turn 65, you can never get a Supplement plan again? Or that rates will shoot up if you enroll later?
There are so many strong opinions floating around about Medicare plans, and let’s be honest—most of them are rooted in bias. Many people speak from their personal experience and assume it applies to everyone. But when it comes to Medicare, especially if you’re working with an insurance agency in Green Bay WI, the truth is a whole lot more personal.
Here at OnMedicare Insurance Agency in Green Bay WI, we hear all of these comments regularly. And we get it—people are trying to help, but it isn’t accurate across the board.
The truth is this: neither Medicare Advantage nor Medicare Supplement is inherently better. It entirely depends on your needs, your comfort level, your medical usage, and what you’re eligible for.
We walk through these decisions every single day at our insurance agency in Green Bay WI, and our goal is simple: figure out what actually works best for you, not what someone else thinks is best for everyone.
Why the Confusion Exists
A big part of the confusion comes from misunderstanding how Medicare works, or hearing a single opinion and assuming it’s a fact. People often think there’s only one correct answer, but that’s not the case. At OnMedicare Insurance Agency in Green Bay WI, we help people see that what’s “right” is whatever makes the most sense for your situation.
Yes, some people truly benefit from Medicare Supplement plans. They get incredible value, peace of mind, and nearly zero out-of-pocket expenses. But that doesn’t mean it’s the best option for everyone.
On the flip side, a Medicare Supplement plan can be a complete waste of money for someone who rarely visits the doctor, doesn’t travel, or has limited income. That’s why we say it all comes down to your situation.
Key Benefits of Medicare Supplement Plans
One of the standout features of a Medicare Supplement plan is flexibility. You’re not locked into a specific network—you can see any provider in the country who accepts Medicare. There’s no worrying about whether your doctor is “in-network” or not. That makes it incredibly appealing for people who travel or split time between different states.
Another benefit is that you don’t have to deal with prior authorizations nearly as much. You and your doctor decide what’s needed, not an insurance company.
Then there’s the cost protection. You’re typically covered for just about everything else once you pay your monthly premium (and that small Part B deductible—$257 in 2025). No surprise co-pays. No scary hospital bills. That’s huge for people who want predictability.
And because Medicare Supplement plans work alongside Original Medicare, you’re not giving up any of your freedom to choose where or how you get care.
These are some of the reasons people at our insurance agency in Green Bay WI often choose a Supplement. But again—only when it fits their specific needs.
It Travels With You
Medicare Supplement plans travel well. You can go from Wisconsin to Arizona and still use your plan. That’s a big deal for snowbirds or people who might move in retirement. And when you do move, you may even be able to adjust your premium to reflect your new ZIP code.
That kind of flexibility isn’t something every Medicare Advantage plan can offer. That’s why we walk through those comparisons carefully at OnMedicare Insurance Agency in Green Bay WI.
Prescription Drug Flexibility
When you get a Supplement plan, you’ll need to include a standalone Part D drug plan. Every open enrollment (October 15th through Dec 7th), you’ll want to look over your prescriptions again. It’s best to get a drug plan that fits your needs right now. If your prescriptions are all generics, you can likely choose a low-cost drug plan. If things change later, you can switch to a different plan as I mentioned above, during the Annual Enrollment Period (October 15 – December 7). It gives you room to adjust your coverage year over year as your needs and health change.
We help each of our members at OnMedicare Insurance Agency in Green Bay WI review their drugs and needs every year. We look at each medication, new medical conditions or treatments, what’s changed, and whether a different drug plan might save them money. This is not a one-n-done discussion; This is an ongoing discussion we revisit together annually.
A Word on Cost
Yes, Medicare Supplement plans do come with higher monthly premiums—often around $150 or more per month. But for people who want minimal out-of-pocket costs, it’s often worth it.
And here’s the kicker: just because the premium seems high doesn’t mean there aren’t ways to reduce it. If plans have changed, or if new options are released, you might be able to save money. We’ve helped people at our insurance agency in Green Bay WI switch to lower-cost options and save $30, $50, or even more per month—all while keeping great coverage.
So… Is a Medicare Supplement Plan “The Best”?
The answer: it depends.
If someone is telling you it’s the only smart choice, without asking about your health, budget, or lifestyle—they’re biased.
At OnMedicare Insurance Agency in Green Bay WI, we’re not here to sell you on one type of plan. We’re here to ask questions. We’ll help you compare what you have now, what’s available in your area, and what makes the most sense for your future.
We know every Medicare rule and every exception. We keep up with changes year-round. And we give honest, objective advice that puts you first.
So if you’re wondering what kind of Medicare plan is right for you, don’t rely on loud opinions or scare tactics. Talk to someone who actually listens. Talk to someone who knows the plans in your area. Talk to a team that’s helped thousands of others find peace of mind.
Talk to OnMedicare Insurance Agency in Green Bay WI.