Title: Medicare Advantage (Part C) vs. Medigap Plan G (Original Medicare)
For most people, Medigap Plan G (Also known as Medicare Supplement Plan G, Medicare Plan G, or Original Medicare ) typically covers more expenses in the long run, particularly if you develop significant health issues. While Medicare Advantage (Also known as Medicare Part C) can be cheaper if you stay healthy, it carries higher financial risk during a medical crisis.
Cost Profiles Over Time
Medigap Plan G: "Pay More Now, Less Later"
Upfront Cost: You pay a higher monthly premium (typically $100–$200+).
Long-Term Benefit: Once you meet the annual Part B deductible ($283 in 2026), Plan G covers 100% of all other Medicare-approved medical costs.
Predictability: Your maximum annual medical spending (excluding premiums and drugs) is effectively capped at the $283 deductible.
Medicare Advantage: "Pay Less Now, More Later"
Upfront Cost: Many plans have $0 premiums.
Long-Term Risk: You pay copays for every doctor visit, test, and hospital stay.
Financial Cap: Plans have a "safety net" Maximum Out-of-Pocket (MOOP) limit, which can be as high as $9,250 per year (in 2026) for in-network care.
The "Sick Scenario" Comparison
If you face a serious illness like cancer requiring chemotherapy:
With Plan G: You pay your $283 deductible and the plan covers the rest of your 20% coinsurance.
With Advantage: You could pay 20% of each treatment out of pocket until you hit your plan's $9,250 limit.
The Long-Term Lock-In
The biggest long-term risk with Medicare Advantage is the difficulty of switching back.
In most states, if you choose Advantage now and want to switch to Plan G in five years because you get sick, insurance companies can use medical underwriting to deny you coverage or charge much higher rates.
For this reason, many experts recommend starting with Plan G while you are first eligible and healthy.
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