Medicare Cost Calculator

Compare the potential costs of Original Medicare with a Medigap plan versus a Medicare Advantage plan. Our calculator will help you estimate your annual healthcare expenses based on your health status, location, and coverage preferences.

Make an Informed Decision

The choice between Medicare Advantage and Original Medicare with Medigap can mean thousands of dollars in difference each year. Our calculator helps you understand:

  • Total Annual Costs: Premiums, deductibles, copays, and out-of-pocket maximums
  • Best-Case and Worst-Case Scenarios: What you’ll pay if you’re healthy vs. if you need significant care
  • Hidden Costs: Network restrictions, referral requirements, and coverage limitations
  • Long-Term Savings: Which option saves you more money over time

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Medicare Cost Calculator

Compare costs between Medicare Advantage and Original Medicare with Medigap

Calculate Your Costs

Enter your information to compare annual healthcare costs

Original Medicare + Medigap Plan G

Part B Premium $2,096
Medigap Premium $2,400
Part D Premium $600
Part B Deductible $240
Out-of-Pocket Costs $0
Total Annual Cost $5,336

Medicare Advantage

Part B Premium $2,096
MA Plan Premium $0
Doctor Visit Copays $200
Prescription Copays $600
Other Out-of-Pocket $500
Total Annual Cost $3,396

Important Considerations

Original Medicare + Medigap: Higher monthly premiums but very predictable costs. You can see any doctor that accepts Medicare nationwide. Best for those who want freedom of choice and predictable expenses.

Medicare Advantage: Lower monthly premiums but potentially higher out-of-pocket costs when you need care. Network restrictions apply. Best for those who are healthy and want to minimize monthly costs.

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