Quick Read – Plan G covers Part B coinsurance and the Part A hospital deductible after you pay the $283 annual Part B deductible. – Original Medicare plus Plan G is accepted by roughly 98% of physicians nationwide. – You turn 65 next month.
The Medicare mailers are stacking up
And a friendly broker just told you that you can get a Medicare Advantage plan for about $14 a month. Meanwhile, a Medigap Plan G will cost you closer to $200. On paper, Advantage looks cheaper.
The math changes once you actually get sick. This is the single biggest financial decision most new retirees make in their first year of Medicare, and the default choice (cheapest premium) is often the wrong one. The Scenario in Plain English A healthy 65-year-old aging into Medicare faces a choice: stick with Original Medicare and buy a Medigap Plan G supplement plus a standalone Part D drug plan, or sign up for a Medicare Advantage (Part C) plan that bundles everything.