Original Medicare without a supplement carries a $1,736 per-benefit-period hospital deductible and unlimited 20% Part B coinsurance with no annual out-of-pocket cap. A 71-year-old Florida widow had spent two years fighting her Medicare Advantage plan over a cardiology referral. A broker helped her choose Medigap Plan G and start the application. She was allowed to leave Medicare Advantage. Joining an Advantage plan feels easy and reversible.