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Medicare Supplement “Medigap” Plans
Each year Medicare publishes a Guide to Choosing a Medigap Policy booklet
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High-Deductible Options: Medigap Plan G and Plan F are also offered as high-deductible plans. For 2026, the annual deductible is $2,950. You must pay for Medicare-covered costs (coinsurance, copayments, and deductibles) up to this amount before the policy begins to pay.
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Plans K & L: For 2026, Plan K has an out-of-pocket limit of $8,000 and Plan L has a limit of $4,000. After you meet this limit and your annual Part B deductible ($283), the plan pays 100% of covered services for the rest of the calendar year.
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Plan N: This plan pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to a $50 copayment for emergency room visits that do not result in an inpatient admission.
Will my doctor take my Medigap plan?
Medicare supplement plans do not have provider networks. These plans allow you the freedom to choose your own Medicare doctors and hospitals, nationwide. No networks, no referrals required.
Medicare Plan Comparison
Medicare Plans will fall into 2 categories: Medicare Supplement/ Medigap plans or Medicare Advantage Plans.
Medigap Plans offer standardized benefits in most states nationwide. That means the benefits of the plan, by letter, are the same no matter which insurance company you have your Medigap plan with. For example, the benefits of Plan G with one insurance company are the exact same benefits as Plan G with any other insurance company, although costs may differ from one insurance company to another.
Medicare Advantage Plans can vary from insurance company to company, and from one region to another. These are Medicare-approved managed care plans from private companies that offer an alternative to Original Medicare for your health and drug coverage
Medicare Advantage Plans
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Medicare Advantage plans are also known as “Part C” of Medicare. These plans are an optional, alternative way to receive your Medicare benefits. Medicare advantage plans are managed care plans (like HMO and PPO plans) offered by private insurance carriers that contract with Medicare.
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By law, all Medicare Advantage plans must provide at least the same level of coverage as original medicare Part A and Part B. However, some plans may also cover additional benefits, such as prescription drugs (Part D), hearing, vision and dental, or health wellness programs.
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Medicare Advantage plans differ in cost and benefits based on your location. These plans are also calendar year contract plans, so plan benefits may change each year.
Will my doctor take my Medicare Advantage plan?
It depends. Most medicare advantage plans work with specific doctor and hospital networks, which may change over time. We recommend doing a thorough review of your plan’s benefits and provider networks each year.
Medicare evaluates advantage plans based on a 5-star rating system. Star ratings are calculated each year and may change from one year to the next.