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Medicare Cost Comparison Calculator
Medicare Cost Comparison Calculator
Compare estimated annual costs for Original Medicare with Medigap and Part D versus a Medicare Advantage plan.
Your Cost Inputs
Part B is usually paid under either option, so it is included on both sides.
Original Medicare + Medigap + Part D
Examples: deductibles, copays, coinsurance, excess charges, or services not covered by your supplement.
Use your own estimate. Many Medigap plans reduce medical uncertainty, but drug costs and uncovered services can still matter.
Medicare Advantage
Examples: doctor copays, hospital copays, imaging, therapy, specialist visits, and coinsurance.
This is the plan’s medical MOOP. Drug costs and premiums are usually separate from the medical MOOP.
Estimated Result
Enter your information and calculate your estimate.
Estimated lower-cost option: $0 $0 estimated difference
Original + Medigap Annual Cost$0
Advantage Annual Cost$0
Original Monthly Average$0
Advantage Monthly Average$0
| Cost Category | Original + Medigap | Medicare Advantage |
|---|---|---|
| Part B Premium | $0 | $0 |
| Plan Premiums | $0 | $0 |
| Expected Medical Costs | $0 | $0 |
| Expected Drug Costs | $0 | $0 |
| Estimated Annual Total | $0 | $0 |
| Estimated Worst-Case Exposure | $0 | $0 |
This calculator is for educational purposes only. It compares costs using the numbers you enter. It does not evaluate provider networks, prior authorization, travel coverage, prescription formularies, dental, vision, hearing, star ratings, plan quality, Medigap underwriting rules, guaranteed issue rights, late enrollment penalties, IRMAA, Medicaid, employer coverage, or special needs plans. Medicare Advantage maximum out-of-pocket limits generally apply to covered medical services, not premiums or most prescription drug costs. Review actual plan documents before making a Medicare decision.
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