Supplemental Insurance Coverage Gap Calculator
A hospital stay costs $1,736 under Original Medicare in 2026 (the Part A deductible), more if you stay past 60 days. Medicare Advantage plans charge daily copays up to their out-of-pocket limit. Hospital indemnity insurance pays a fixed cash amount you can put toward that gap.
Figures checked October 15, 2026 · free, no sign-up
Calculator
Fill in the form to see your estimate. It updates as you type.
Estimate only, using the published figures listed under Sources. It is not a quote, an eligibility decision or advice. Your inputs stay in your browser: nothing is sent or saved, and you never need to share contact details to see a result.
Frequently asked
Sources & methodology
- CMS — 2026 Medicare Parts A & B Premiums and Deductibles
- Medicare.gov — Skilled nursing facility (SNF) care
The calculation runs entirely in your browser with the year-labelled figures from the sources above, and updates as you type. We don’t send, store or log anything you enter. We check these figures against the sources whenever CMS, the IRS or HHS publishes a new year.
Compiled by the McDowell Business Resources Data Desk. Last reviewed: October 15, 2026.
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Medicare TPMO disclaimer: 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 or 1-800-MEDICARE to get information on all of your options.
McDowell Business Resources is not affiliated with or endorsed by the U.S. government, the federal Medicare program, or CMS.
This page is general education, not insurance, tax, legal or investment advice. Figures are dated where shown and can change; your situation may differ, and product availability varies by state and carrier. McDowell Business Resources (MBR Insurance & Financial Services) is an independent agency, not an insurance carrier.