Compare Medigap Plan G total cost against an alternative coverage approach.
Plan G converts variable medical costs into a fixed premium, so its cost barely changes between a healthy year and a serious illness. Alternatives are cheaper in low claim years and far more expensive in high ones. The comparison is really about risk tolerance rather than expected cost, which is why the worst case figures matter more than the expected ones.
Medigap Plan G
Plan G cost is the premium plus the Part B deductible; alternatives add variable cost sharing
This is a general illustration, not financial, tax or legal advice. Rules, thresholds and rates vary by jurisdiction and change frequently, and individual circumstances materially affect outcomes. Consult a qualified adviser before making any decision based on these figures.
Plan G cost is the premium plus the Part B deductible; alternatives add variable cost sharing Plan G converts variable medical costs into a fixed premium, so its cost barely changes between a healthy year and a serious illness. Alternatives are cheaper in low claim years and far more expensive in high ones.
The comparison is really about risk tolerance rather than expected cost, which is why the worst case figures matter more than the expected ones.
This calculator takes 5 inputs: Plan G monthly premium, Part B annual deductible, Alternative plan monthly premium, Alternative plan out-of-pocket maximum, Expected annual medical costs. The pre-filled defaults are a realistic starting point — replace them with figures from your own environment for a result you can act on.