Calculators
Medicare Supplement (Medigap) Cost Estimator
Estimate annual Medicare costs with a Medigap plan: Part B premium, Medigap premium, Part D premium, Part B deductible and other out-of-pocket costs.
- Runs in your browser
- Nothing uploaded
The tool
Enter your numbers below. Results update as you type, and nothing leaves your browser.
Everything you enter stays on your own machine. Nothing is sent to us or to anyone else, which you can confirm in your browser network tab.
What people use it for
- Retirement healthcare budgeting
- Comparing Medigap plans
- Choosing between Medigap and Medicare Advantage
- Helping parents plan
About this tool
What the Medicare Supplement (Medigap) Cost Estimator does
Original Medicare with a Medigap supplement has predictable costs: the Part B premium, the Medigap premium, a Part D drug plan premium, and whatever the Medigap plan does not cover, such as the Part B deductible under Plan G or copays under Plan N. Enter current figures to estimate the annual total.
It also works as a medicare supplement medigap cost estimator or a Medigap calculator.
Formula
- Premiums = (Part B + Medigap + Part D) × 12
- Annual cost = premiums + Part B deductible + other out-of-pocket costs
Worked example
Using the starting values in the calculator above:
| Input | Value |
|---|---|
| Part B monthly premium | $203 |
| Medigap monthly premium | $160 |
| Part D monthly premium | $40.00 |
| Part B deductible you pay | $283 |
| Other expected out-of-pocket costs | $300 |
| Result | Value |
|---|---|
| Estimated annual cost | $5,418 |
| Average per month | $451 |
| Premiums per year | $4,835 |
How to read the result
Medigap premiums vary a lot between insurers for identical standardised plans; compare several quotes.
Your six-month Medigap open enrolment period, starting when you are 65 or older and enrolled in Part B, offers guaranteed acceptance in most states.
Estimates for planning only. Actual premiums and benefits depend on the insurer, policy terms and underwriting.
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Questions
Questions about this tool
The things clients actually want to know — costs, timelines, ownership and what happens after launch.
Most gaps in Original Medicare except the Part B deductible.
No. Medigap supplements Original Medicare; Advantage plans replace it with a private plan.
No; you need a separate Part D plan.
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