Estimates based on 2026 CMS data. For educational purposes only — not financial advice.
Medigap Calculator
Enter your surgery and monthly premium to see honestly whether Medigap saves you money, breaks even, or costs more than going without.
Select the procedure you're planning or comparing.
Where will the procedure be performed?
Which plan are you considering? Select "None" to see Original Medicare only.
Not sure? The average Plan G premium is around $150/month — enter your actual amount for a more accurate result. Premiums vary by state, age, and carrier.
Some procedures (like epidural injections) may be repeated.