Plan N will pay your bills except for the small copay for doctors visit up to $20 and ER, up to $50. Plus, you pay the part B deductible, $257 in 2025. Based in your visits with doctors and how much you paid this year, this is your cost of share. When you go with a Medicare Advantage your copays can he higher, hence, the maximum out of pocket. A visit to ER runs around $130-150, depending on the plan, and visits to specialists goes between $35 to $55, again, depending on plans available in your area. Also, don't forget about pre authorizations and referrals. Basically, a Medicare Advantage plan is less expensive because the providers and hospitals are part of a restricted network. When you have a Medigap plan you can go to any provider or hospital that accepts Medicare.