Can you seriously trust all of these agents online? All of these people online with loud opinions? Why is it that everybody seems to have such a strong view about Medicare Advantage plans or Medicare Supplement plans?
You talk to one person, and they tell you Medicare Advantage plans are horrible. Then you talk to someone else, and they say Medicare Advantage is the best thing ever. Some people make you afraid of Advantage plans, while others make you feel like you’ll miss your only window of opportunity if you don’t enroll into a Supplement plan. It’s a mess.
There’s so much fear-mongering out there. And so many penalties! How are seniors—or really, anyone—expected to learn everything about Medicare and make such a huge decision so fast? I completely get it.
When I first started learning about Medicare plans back in 2009, I was overwhelmed, too. I honestly wanted to quit. But I stuck with it, and I’m so thankful I did. Every day now, I get to help people cut through the noise and get honest answers.
In this article, I’m going to give you a few tools you can use while you’re doing your research. I’ll help you understand who’s biased and who’s not—and why people land so strongly on one side or the other.
Which is Better: Medicare Advantage or Medicare Supplement?
Let me use a simple analogy that I share with my clients all the time: Choosing between a Medicare Advantage and a Medicare Supplement plan is like asking, “Which is better—a truck or a car?”
Think about that. What’s the answer? Which one is truly better?
The objective answer is: it depends. It depends on how you plan to use it, what you’re comfortable with, and what you can afford. It’s about your preferences, your priorities, and your budget.
Some people will say a car is better—it’s cheaper, more fuel efficient, easier to park, and more eco-friendly. Others will swear by a truck—it’s rugged, it’s safer in snow, you can haul trailers, and you feel more secure.
And guess what? Neither group is wrong. They’re just talking about what works for them.
That’s exactly how it is with Medicare. One person might tell you Medicare Advantage plans are awful because of network restrictions and prior authorizations. Another person might say Supplements are a waste of money because they don’t cover dental, vision, or hearing.
Both opinions are valid—for those individuals. But what’s wrong is when someone tells you that one type of plan is absolutely better without ever asking about your needs.
Watch for Bias in Online Advice
If someone is pushing a Medicare Advantage plan without asking you any questions, they’re probably biased.
If someone is trying to scare you into thinking Supplements are the only smart choice, they’re probably biased too.
The truth is, anyone claiming that every person should be on one type of Medicare plan is simply wrong. Because your healthcare situation, budget, location, and personal preferences are all unique.
As you do your research, try to notice when someone sounds like they’ve made up their mind before ever hearing your story. That’s a sign they’re not interested in helping you find the best option—they’re just trying to push what works for them.
Work With Someone Who Listens
Here at OnMedicare Insurance Agency in Green Bay WI, we’re not biased towards either Medicare Advantage or Medicare Supplement plans, they are on equal playing fields. It’s like comparing a truck and a car; which is better? Objectively, neither. It completely depends on you: What you need, what you’re comfortable with, what you can afford, what you want, where you live, etc…. We start by asking questions and help guide you depending on different factors like:
- What do you need?
- What are you comfortable with?
- What’s your budget?
- Where do you live?
- What providers do you see?
- Are you eligible for any extra programs?
Once we understand all that, then we help guide you to the best option. And that option might be different than what your neighbor picked. Or what your cousin in Florida chose. Because it’s your plan, not theirs.
And that’s how it should be. You deserve a plan that fits your life—not someone else’s agenda.
Why Local Matters
It also matters who you work with. An insurance agency in Green Bay WI knows the doctors, hospitals, networks, and competitive plans in your area. A call center rep in another state may not even know how your ZIP code affects plan availability.
Working with a local insurance agency in Green Bay WI like OnMedicare gives you the advantage of personal service, market insight, and community-based support. We meet with people face-to-face, we talk over Zoom, and we answer your calls year-round—not just at enrollment.
You’re not a number to us. You’re a neighbor.
Personalized Help, Not Pressure
When someone tells you there’s only one way to do Medicare, stop and ask—who benefits from that advice?
At OnMedicare Insurance Agency in Green Bay WI, we don’t make decisions for you, we educate, guide, ask questions, and walk alongside you year after year; continually reviewing your plan and adjusting if things change.
That’s the kind of relationship you deserve.
Whether you’re brand new to Medicare or reviewing your coverage during Open Enrollment, working with a trusted insurance agency in Green Bay WI gives you peace of mind. No pressure, no pushy sales—just real help from real people who care.
And that’s what we’re about at OnMedicare Insurance Agency in Green Bay WI. We help cut through the confusion so you can make a confident decision. One that works for you.
So the next time someone tells you there’s only one “best” Medicare plan, remember this: That’s like telling everyone to buy a truck—or a car—without asking what they actually need it for.
If you want to talk to someone who will treat you like a person (not a sale), call OnMedicare Insurance Agency in Green Bay WI. We’ll help you make sense of it all—no fear tactics, no fluff.
Just the facts. Just for you.