Medicare Part C Plan Comparison Calculator
Compare Medicare Advantage vs Original Medicare + Medigap costs.
Cost Comparison Summary
Original + Medigap:$ 6316/yr
Medicare Advantage:$ 1950/yr
Recommendation:Medicare Advantage
Estimates based on your usage level. Actual costs vary by plan.
Original Medicare + Medigap
Part B:$ 174.70/mo
Medigap:$ 150/mo
Part D:$ 50/mo
Annual Premium:$ 5041
Network:Nationwide
Original Medicare + Plan G Medigap + Part D. Any Medicare-certified provider nationwide.
Medicare Advantage (Part C)
Premium:$ 25.00/mo
Annual:$ 300
Extra Benefits:$ 800/yr
OOP Max:$ 8850
Network:Network-based
Includes Part A, B, D. Often includes vision, dental, hearing. Out-of-pocket maximum protection.
Key Differences
Original Medicare
✓ Nationwide providers
✓ Predictable with Medigap
✓ No network restrictions
✗ Higher premiums
Medicare Advantage
✓ Lower premiums often
✓ Extra benefits
✓ OOP maximum cap
✗ Network restrictions
Travel Consideration
Your Travel:rarely
Recommendation:Both OK
Original Medicare works nationwide. MA plans are network-based - PPO offers more flexibility than HMO.
Part C vs Original Medicare Key Points
- Original: nationwide access, predictable costs
- MA: lower premiums, extra benefits, OOP max
- Medigap G: most popular, covers Part B coinsurance
- MA HMO: lower cost, network required
- MA PPO: more flexibility, higher cost
- SNP: for chronic conditions/dual eligible
- Compare plans during AEP (Oct 15 - Dec 7)
- Can switch MA to Original during OEP
- Travel: Original better for frequent travelers
- Check plan ratings before choosing