There's no single “right” answer between a Medicare Advantage plan and Original Medicare + a Medigap policy — it depends on your health, budget, and how you like to use care. This worksheet adds up an estimated annual cost for each path using your own numbers. It does not include any specific plan or price.
Medicare Advantage path
Original Medicare + Medigap path
Estimates only. Real costs depend on the specific plans available in your area, your prescriptions, and how much care you use. Medicare Advantage out-of-pocket is capped at the plan's MOOP; Medigap trades a higher premium for more predictable out-of-pocket costs.
For educational estimates only. This tool gives a general estimate based on the numbers you enter. It is not a quote, an application, or a determination of benefits, eligibility, or price. Nothing is stored from what you type here — the estimate is calculated in your browser.
Figures that change every year — such as the standard Part B premium, the Part D national base beneficiary premium, and IRMAA income brackets — are entered by you so the math always reflects the current year. Always verify current amounts at Medicare.gov or 1‑800‑MEDICARE.
Maru Insurance is not connected with or endorsed by the U.S. government or the federal Medicare program. We do not offer every plan available in your area. Please contact Medicare.gov or 1‑800‑MEDICARE to get information on all of your options.
Licensed independent insurance agent (NPN 22261820) · WA & FL
Written and reviewed by Vadim Marusin, a licensed independent insurance agent. Maru Insurance is an independent agency (WA License WAOIC #1365574, FL License #G363233) representing multiple A-rated carriers across Washington and Florida.