Medicare Cost Calculator
Compare your expected annual cost under Original Medicare + Medigap + Part D vs a Medicare Advantage plan.
Medicare Cost Calculator
Estimate your total annual Medicare cost comparing Original Medicare + Medigap + Part D vs Medicare Advantage.
Original + Medigap + D (annual)
$4,496
Medicare Advantage (annual)
$3,596
Difference: $900 — Medicare Advantage is lower.
Estimate only. Actual cost depends on utilization, specific plan, and drug list.
Frequently Asked Questions
Why does Original Medicare + Medigap cost more upfront?+
You're paying premiums for three things (Part B, Medigap, Part D) instead of two (Part B + MA). In exchange you get no networks, low out-of-pocket at point of care, and stable coverage.
Is the $240 Part B deductible included?+
Yes — the calculator adds the 2024 Part B deductible once per year.
Does this handle IRMAA?+
No — use the IRMAA calculator for higher-income surcharges.
How accurate is this?+
Estimate only. Actual totals depend on your utilization, specific plan, and drug list.