Medicare Plan Comparison Calculator
Compare total costs between Original Medicare with Medigap and Medicare Advantage plans based on your expected medical needs.
Medical Disclaimer
This calculator is for informational and educational purposes only. It is not a substitute for professional medical advice, diagnosis, or treatment. Always consult a qualified healthcare provider before making decisions about your health. Never disregard professional medical advice or delay seeking it because of results from this tool.
Original Medicare Annual Total
$5,080.00
Medicare Advantage Annual Total
$4,755.00
Inputs
Comparison
Original Medicare Monthly
$360.00
Medicare Advantage Monthly
$205.00
Annual Cost Difference
$325.00
Premium vs Out-of-Pocket by Plan
How to Use This Calculator
- Enter the monthly premium for your Medicare Advantage (Part C) or Medigap plan options.
- Input the deductible and cost-sharing amounts for each plan.
- Set your expected annual usage of medical services.
- Compare the Total Estimated Annual Cost across plans.
- Factor in prescription drug coverage when comparing — some plans include Part D.
How the result changes with Part B Monthly Premium
| Part B Monthly Premium | Original Medicare Annual Total | Medicare Advantage Annual Total |
|---|---|---|
| $150.00 | $4,780.00 | $4,455.00 |
| $275.00 | $6,280.00 | $5,955.00 |
| $425.00 | $8,080.00 | $7,755.00 |
| $550.00 | $9,580.00 | $9,255.00 |
What each input means
- Part B Monthly Premium
- Standard Part B premium. May be higher based on income (IRMAA).
- Medigap Monthly Premium
- Monthly premium for a Medigap supplemental plan (Plan F or G are most popular).
- Medicare Advantage Premium
- Additional monthly premium for a Medicare Advantage plan (many are $0).
- Expected Annual Medical Costs
- Your estimated annual medical expenses before Medicare pays.
- Annual Prescription Costs
- Total annual cost of prescription medications.
- Part D Monthly Premium
- Standalone Part D drug plan premium (for Original Medicare option).
How this is calculated
Worked example, using the default values
- Identify Input Parameters4 parametersPart B Monthly Premium = 175, Medigap Monthly Premium = 150, Medicare Advantage Premium = 30, Expected Annual Medical Costs = 8000 = 6 input(s) provided
- Calculate Original Medicare Annual TotalOriginal Medicare Annual Total5080 = $5,080
- Calculate Medicare Advantage Annual TotalMedicare Advantage Annual Total4755 = $4,755
- Calculate Original Medicare MonthlyOriginal Medicare Monthly360 = $360
- Calculate Medicare Advantage MonthlyMedicare Advantage Monthly205 = $205
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