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2026 figures
Arizona Medigap vs Medicare Advantage Cost Calculator
Medicare Advantage often costs less in premiums. Medigap often costs less when you use a lot of care. Enter the premiums you were quoted and a rough idea of your usage, and this compares the two paths across a typical year and a heavy-use year.
In clients' words
What working with Viola looks like
I’m very happy I went to Viola at Rise up Benefits Group for my Medicare enrollment. I was inundated with mail and way too much information. I have been with Champ VA for 9 years so it gets confusing what to sign up for without losing those benefits as they become secondary. Viola explained everything and picked out the best option for me. I highly recommend her as it made this transition very smooth.
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Estimates only. Estimates only. Figures on this page use published plan-year values and the details you enter. They are not a quote, an offer of coverage, or a determination of eligibility. Your final premium and any tax credit are confirmed at enrollment with the carrier or HealthCare.gov. Everything is calculated in your browser; nothing you type is sent to us or anyone else.
What this assumes
- A comparison of figures you enter. It is not a quote, and it is not a recommendation on its own.
- The heavy-use Advantage year assumes you reach the plan’s in-network maximum out-of-pocket. Out-of-network care can cost more.
- The Medigap side is modelled on Plan G: after premiums, the 2026 Part B deductible ($283) is normally the only bill for approved services.
- The Medigap path adds a stand-alone Part D premium, which the comparison includes.
- Both paths still pay the Part B premium, so it is left out of the comparison.
- Dollars are only half the decision. Networks, referrals, travel and drug coverage differ too.
Where the figures come from
- CMS 2026 Medicare Part B premium, deductible and IRMAA amounts Centers for Medicare & Medicaid Services, 2026
- CMS 2026 Part D base beneficiary premium Centers for Medicare & Medicaid Services, 2026
Talk it through with Viola
An estimate is a starting point. Viola Lucero, CLTC, and the team at Rise Up Benefits Group in Chandler can look up the real figures for your situation, check your doctors and prescriptions, and explain what the numbers mean for you. We speak insurance, so you don't have to.
Or see real 2027 Medicare plans for your ZIP code:
Rise Up Benefits Group is not connected with or endorsed by the United States government or the federal Medicare program. Medicare has neither endorsed nor reviewed this information.
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.
Common questions
Is Medigap or Medicare Advantage cheaper in Arizona?
It depends on how much care you use. Advantage plans often have low premiums but you pay copays up to a yearly maximum. Medigap usually costs more each month but leaves few bills when you use a lot of care. This calculator compares both with your own figures.
What does Medigap Plan G leave me to pay?
For Medicare-approved services, usually just the Part B deductible: $283 in 2026. Plan G does not include drug coverage, so you add a Part D plan.
Can I switch from Medicare Advantage to Medigap later?
You can change your Medicare coverage in set periods, but outside your Medigap open enrollment a Medigap insurer can usually ask health questions and may decline you. That is why the first choice matters.
Is there a cap on drug costs in 2026?
Yes. In 2026, out-of-pocket costs for covered Part D drugs are capped at $2,100 a year, on both Part D plans and Advantage plans with drug coverage.
More free tools
Part B penalty calculator
See how much a late start on Part B adds to your premium, every month, for as long as you have Part B.
Part D penalty calculator
See what going without drug coverage adds to your Part D premium, for as long as you keep Part D.
IRMAA calculator
See whether your income adds a surcharge to your Part B and Part D premiums, and how much.
ACA subsidy calculator
Estimate your premium tax credit and what a benchmark Silver plan might cost you each month.
FPL calculator
Work out where your household income falls as a percentage of the federal poverty level.
We speak insurance, so you don't have to.
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2160 North Alma School Road, Suite 102, Chandler, AZ 85224 · (480) 300-5776