Medigap vs Medicare Advantage Calculator

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Medigap vs Medicare Advantage Calculator helps U.S. users compare estimated annual costs between Original Medicare with Medigap and Part D versus Medicare Advantage. It includes monthly premiums, Part B costs, deductibles, doctor visit copays, hospital cost-sharing, prescription drug expenses, and the Medicare Advantage out-of-pocket maximum. This tool is for educational purposes only and actual costs can vary by plan, ZIP code, provider network, and healthcare usage.

Medigap vs Medicare Advantage Calculator

Medigap vs Medicare Advantage Calculator

Compare estimated yearly costs for Original Medicare + Medigap + Part D versus Medicare Advantage in the U.S., including 2025 Part B defaults, monthly premiums, drug costs, deductibles, copays, hospital cost-sharing, and the Medicare Advantage out-of-pocket maximum.

Most people enrolled in either option still pay the Part B premium.
Default is the standard 2025 Part B premium.
Often relevant for Medigap Plan G or similar coverage designs.

Original Medicare + Medigap + Part D

Estimate your yearly cost for the Medigap route.

Use for office copays, excess charges, foreign travel limits, or other uncovered costs.
Drug costs under the Medigap route usually come from your separate Part D plan.

Medicare Advantage

Estimate your yearly cost for the Medicare Advantage route.

Enter 0 if drug coverage is already built into your MA-PD premium.
Premiums and most drug costs are usually not capped by the MA medical OOP max.

Medigap annual total

$0.00

MA annual total

$0.00

Estimated difference

$0.00

Lower-cost option

Medigap medical + drug OOP

$0.00

MA medical OOP after cap

$0.00

MA cap savings

$0.00

Part B included?

Yes

Cost + fit summary

Medigap Route Breakdown

Item Description Amount

Medicare Advantage Breakdown

Item Description Amount

Important notes

    Disclaimer

    This calculator is for educational purposes only and is not official Medicare guidance. Actual Medigap, Part D, and Medicare Advantage costs vary by ZIP code, insurer, age, underwriting status, plan design, network rules, referrals, formularies, prior authorization, and healthcare usage.

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    1. Pingback: Medicare in California: Enrollment, Plans, and Costs Guide - RightsAndRates

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