Compare total yearly cost of Medigap plus a Part D plan against a Medicare Advantage plan's premium and out-of-pocket.
Educational estimate. Premiums vary by insurer, age, location and rating method.
We total Medigap premium, a Part D plan and expected out-of-pocket, then compare to Advantage premium plus its expected out-of-pocket.
Medigap plus Part D costs more each month but makes your medical bills almost nothing and lets you see any Medicare doctor nationwide. Medicare Advantage flips that — low or $0 premium, but copays every visit within a network, up to a yearly cap. Run a healthy and a sick year; Medigap’s value is the bad year you can’t predict. Remember switching back to Medigap later usually requires passing medical underwriting.
Advantage often wins in healthy years; Medigap usually wins in high-cost years.
No — add a standalone Part D plan, included here.
Often only with medical underwriting after your initial window.
No — it's an educational estimate.