Seniors: Medicare Advantage vs Medigap Is a One-Way Door (10-Year Math)

Medicare Advantage vs Medigap, explained in plain English with a 10-year cost example, plus the three times a Medigap company can't say no. Compare the best year and the worst year, not the monthly premium. Ruth and Dale are examples, not real people. CHAPTERS 0:00 Check your insurance card 0:39 What each one really is 1:51 The open tab and the ceiling 3:51 The ten-year math 7:04 What the math can't show 9:26 The door: when Medigap can't say no 12:11 The yearly checkup 13:27 How to check before you choose 15:12 Your questions 16:48 The three windows WATCH NEXT Medicare Advantage Plan Leaving 2027? Don't Miss 63 Days:    • Medicare Advantage Plan Leaving 2027? Don'...   Medicare Open Enrollment 2027: 7 Things to Check Before Dec 7:    • Medicare Open Enrollment 2027: 7 Things to...   Playlist, Medicare Explained Simply:    • Medicare Explained Simply   FIGURES USED (they change every year; check the official pages) 2026 Part B deductible: $283. 2026 Part A deductible: $1,736 per benefit period. After the deductible you generally pay 20% of covered Part B services (Medicare.gov). Medicare Advantage yearly in-network ceiling: $9,250 in 2026 (CMS). Next year's figure: $9,850 for 2027, as reported from CMS's final 2027 Part C limits (April 2026); your plan's own limit may be lower, so check its 2027 Evidence of Coverage. High-deductible Plan G: you pay up to $2,950 in 2026 before the policy pays (Medicare.gov). Plan N: copays of up to $20 for some office visits and up to $50 for ER visits when you're not admitted (Medicare.gov). KFF: about 74% (20.9 million) of people in Medicare Advantage for the full year in 2023 had a condition that could lead to a Medigap denial; 88% of those 85 and older. Medigap guaranteed-issue windows: 6-month Medigap Open Enrollment; trial right in your first 12 months of Advantage if you joined when first eligible; 60 days before to 63 days after your Advantage coverage ends if the plan leaves (Medicare, "Choosing a Medigap Policy"). The Ruth and Dale numbers (a $200 Plan G premium, $300 of copays, a $90 high-deductible premium) are examples, not quotes. Your quotes will differ. OFFICIAL LINKS Medicare costs: https://www.medicare.gov/basics/costs... Compare Original Medicare and Medicare Advantage: https://www.medicare.gov/basics/get-s... When can I buy Medigap: https://www.medicare.gov/health-drug-... Compare Medigap plan benefits: https://www.medicare.gov/health-drug-... Choosing a Medigap Policy (guide): https://www.medicare.gov/publications... KFF analysis: https://www.kff.org/medicare/nearly-t... Free counseling (SHIP): https://www.shiphelp.org or 1-800-MEDICARE Screen recordings show public Medicare.gov and KFF pages and the official Medicare guide "Choosing a Medigap Policy". Stock footage (Pexels): Towfiqu barbhuiya, SHVETS production, Kampus Production, T Leish, kaboompics, RDNE Stock project, cottonbro studio, Tima Miroshnichenko, Mikhail Nilov. Educational information only, not insurance, legal, tax, or financial advice. Not affiliated with Medicare, CMS, SSA, or any government agency. Walt is a fictional narrated character; images of Walt are licensed stock photos of a model. Scripts are original and researched against official sources. #Medicare #Medigap #MedicareAdvantage