So you want to switch someone who is 94 to save $1200 per year? Are you making the payments or her?
Clarifying my babble from above a few comments:
You use $0 deductible to evaluate premiums because you will never out-compute the insurance company’s computer. They know what the statistical norm is. If they raise deductible to lower monthly premium, they aren’t doing that so you come out ahead. You Will Never Come Out Ahead. That’s the nature of insurance.
So do all your Medigap analysis on plans with $0 deductible. Premium comparison then makes sense.
In the early days, Advantage’s big disadvantage was paperwork. All those copays each time you saw a doc. But computers have erased that.
You pay $320/night for an Advantage hospital stay copay. Typical Advantage plans say 1-5 nights $320/night and $0/night after 5 nights. Well, of course they know the average stay is 3 nights. They almost never have someone in for 20 days they are having to eat costs on. And if you go home and have to come back, the clock restarts.
Again, no rules of thumb. If you expect 20 hospital stays in a year, Medigap. If you expect 4 hospital stays the rest of your life, Advantage.