How is the Supplement vs. Advantage: Total Cost calculated?

We compare the total annual cost of the two ways people typically cover Medicare's gaps: Original Medicare with a supplement (Medigap) plus a standalone drug plan, versus a Medicare Advantage plan. Both paths use the premiums you enter; expected out-of-pocket costs come from your chosen usage level.

What data and assumptions does it use?

Medicare.gov — "How do Medigap plans work?" and "Understanding Medicare Advantage Plans" (coverage-type mechanics, public domain). All dollar inputs are yours; the usage-level out-of-pocket assumptions are shown with your results and are tenant-configurable.

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Supplement vs. Advantage: Total Cost

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Calibrate

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Medigap premium (monthly)

The monthly premium quoted for the supplement plan you’re considering.

Drug plan premium (monthly)

The standalone Part D plan that pairs with a supplement (the national base premium is about $39).

Advantage premium (monthly)

Many Advantage plans have a $0 premium — the trade-off is cost sharing when you use care.

Advantage plan out-of-pocket maximum

The in-network out-of-pocket maximum printed on the plan you’re comparing.

Expected healthcare usage

How much care you realistically expect to use in a year.

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What this means for you

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Levers that move this

Medigap premium (monthly)
Drug plan premium (monthly)
Advantage premium (monthly)
Advantage plan out-of-pocket maximum
Expected healthcare usage

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How this is calculated →

This is an educational comparison of two coverage TYPES using premium and out-of-pocket figures you supplied — it is not a recommendation of any plan or insurer.
Real plans differ in networks, drug formularies, extra benefits, and underwriting; premiums and plan terms change every year.
Out-of-pocket estimates at each usage level are simplified assumptions shown with your results, not predictions of your actual claims.
This tool is not affiliated with or endorsed by Medicare, CMS, or any insurance carrier.