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

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.

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Every visitor who runs the Supplement vs. Advantage: Total Cost can be identified — a verified email at minimum, often a full name and postal address — and added to your prospects in ProspectMatch. No form fill required.

The method

How it works

01 Supplement path: your Medigap premium plus your drug-plan premium × 12, plus a small out-of-pocket allowance — supplements absorb most cost sharing, so this path's spending is steady and premium-driven.

02 Advantage path: your Advantage premium × 12, plus a share of the plan's out-of-pocket maximum that scales with your usage level — low usage spends little of it, heavy usage runs toward the max.

03 We show both paths side by side for one year and for five, so the premium-versus-cost-sharing trade-off is visible at your usage level, not just in the sticker price.

supplementAnnual = (medigapPremium + drugPremium) × 12 + medigapOop(usage); advantageAnnual = advantagePremium × 12 + oopMax × usageFraction(usage); fiveYear = annual × 5.

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