Extra Coverage Options (Optional but Common)
1. Medicare Advantage (Part C)
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All-in-one plans (includes A, B, often D, and extras like dental/vision)
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Monthly cost:
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$0–$70/month on top of Part B in many areas
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Some plans as low as $0 premium, but may have higher co-pays
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Still pay the Part B premium
Pros: Simpler, often lower premiums
Cons: Smaller provider networks, co-pays can add up
2. Medigap (Supplemental) + Part D
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Fills the gaps in Original Medicare (covers deductibles, coinsurance, etc.)
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Monthly cost:
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Medigap Plan G: $130–$250/month
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Part D: $35–$80/month
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Pros: Lower out-of-pocket costs, nationwide coverage
Cons: Higher monthly premium, harder to switch plans later
Total Monthly Cost Estimates (2025, Typical)
| Plan Type | Total Monthly Cost (Individual) |
|---|---|
| Original Medicare only (A + B) | ~$175 |
| Medicare + Advantage Plan (Part C) | ~$175–$250 |
| Medicare + Medigap + Part D | ~$340–$500 |
For a couple, double the above (e.g., ~$700–$1,000/month for full Medigap coverage for two people).
