Medicare Supplement (Medigap) Plans


What is Medicare Supplement or Medigap?

Medigap plans, also known as Medicare Supplement Insurance, play a crucial role in enhancing the coverage provided by Original Medicare. These health insurance policies are offered by private insurance companies and work alongside Original Medicare, distinct from Medicare Advantage Plans. The primary purpose of Medigap plans is to help cover the costs that are not paid by Original Medicare, providing additional financial protection and peace of mind.

When you have a Medigap policy, it fills in the gaps left by Original Medicare. For example, it can assist in covering deductibles, coinsurance, and copayments that you would typically be responsible for. This means that after Original Medicare has made its initial payment for covered services, your Medigap policy steps in to help pay for the remaining expenses.

In addition to addressing the out-of-pocket costs under Original Medicare, Medigap plans may offer additional benefits that are not covered by Medicare at all. For instance, some Medigap policies provide coverage for medical services obtained while traveling abroad, giving you added protection and flexibility when you're away from home.

It's important to note that Medigap plans are specifically designed to complement Original Medicare and cannot be used in conjunction with Medicare Advantage Plans. Medicare Advantage Plans, also known as Part C, are an alternative to Original Medicare and offer their own set of benefits. If you're enrolled in a Medicare Advantage Plan, you are not eligible to purchase a Medigap policy.

Medigap plans are standardized by the federal government. This means that the benefits offered by each plan are consistent across different insurance companies, regardless of where you purchase the plan.

The standardization of Medigap plans helps make it easier for individuals to compare and understand the coverage options available to them. Currently, there are ten standardized Medigap plans available, labeled with letters from A to N (Plans E, H, I, and J are no longer available for purchase, but if you already have one of these plans, you can keep it).

While the specific benefits can vary slightly between states, the basic benefits offered by each plan with the same letter are the same across insurance companies. For example, if you choose Medigap Plan G from one insurance company, the benefits provided will be the same as Medigap Plan G from any other insurance company.

It's important to note that while the benefits are standardized, the premiums can vary between insurance companies. This means that you may find price differences for the same plan. It's advisable to compare the premiums and reputation of insurance companies to ensure you're getting the best value for your coverage.

The availability of Medigap policies may vary depending on your location and your eligibility for Medicare. There are ten standardized Medigap policies available, labeled with the letters A, B, C, D, F, G, K, L, M, and N. Regardless of the letter designation, each policy provides the same coverage as other policies with the same letter. However, it's important to compare premiums and benefits among different insurance companies offering Medigap policies, as prices may vary. This allows you to choose the most suitable coverage for your specific needs and budget.

In summary, Medigap plans are supplemental health insurance policies that work alongside Original Medicare. They help cover the costs not paid by Original Medicare, such as deductibles, coinsurance, and copayments. Medigap policies can also offer additional benefits and provide coverage for expenses not covered by Medicare. However, it's crucial to remember that Medigap plans are not compatible with Medicare Advantage Plans. By understanding the available options and comparing different insurers, you can find the Medigap policy that best meets your healthcare needs.

How does Medicare Supplement plan work?

Medicare supplement (Medigap) plan serves to fill the gap that Medicare leaves behind. If you only have Original Medicare, both Parts A and B have cost-sharing like deductibles, copays and coinsurance that you are responsible to pay when you use the services. For example, Part A has a deductible of $1,632 for 2024 that you must pay when you stay in the hospital. Another example of cost-sharing, Part B has a deductible of $240 for 2024 and then you continue to pay 20% of your medical expenses all the way too the end of the calendar year. You can envision those out-of-pocket costs as holes or gaps in your coverage and the Medicare Supplement plan is the filler to close those holes. When you purchase a Medicare Supplement policy, Medicare will pay its share first of your medical expenses, then your Medicare Supplement policy pay what Medicare has left to you.

It's important to note that Medicare Supplement plans provide coverage for several services, including prescription drugs, dental care, vision care, hearing aids, transportation, and over-the-counter benefits.

There are 10 Medicare Supplement (Medigap) plans out there in the marketplace and those plans differ from one another in the level of coverage, cost, and cost-sharing. Medicare Supplement plans have an alphabet letter designation attached to them to differentiate from one to another like plans A, B, C, D, F, G, K, L, M, N, High Deductible Plan F, and High-Deductible Plan G.

The 10 Medicare Supplement plans

Private insurance companies offer and sell Medicare Supplement plans. These plans provide varying levels of coverage for beneficiaries. All the benefits provided by Medicare Supplement plans are approved by Medicare and are standardized across different insurance carriers. This means that regardless of the insurance company you choose, the benefits offered by each plan are the same.

Some insurance companies may also offer additional optional benefits, such as dental and vision coverage, which can be added to your Medicare Supplement plan for an extra premium.

The following chart offers a concise comparison of the 10 Medicare Supplement plans available.

Medicare Supplement Plan A

Medicare Supplement Plan A provides coverage for certain out-of-pocket expenses that are not covered by Original Medicare (Parts A and B). These expenses include Part A coinsurance for hospital stays, Part B copays and the 20% coinsurance for doctor visits, coverage for blood, copays and coinsurance for hospice care, and coverage for preventive services such as colonoscopies and mammograms.

Medicare Supplement Plan B

Medicare Supplement Plan B offers coverage similar to Plan A. It includes coverage for certain out-of-pocket expenses that are not covered by Original Medicare (Parts A and B), such as Part A coinsurance for hospital stays, Part B copays and the 20% coinsurance for doctor visits, coverage for blood, copays and coinsurance for hospice care, and coverage for preventive services like colonoscopies and mammograms. Additionally, Medicare Supplement Plan B provides coverage for the Part A deductible.

Medicare Supplement Plan C

Medicare Supplement Plan C provides extensive coverage for your out-of-pocket expenses. It covers all the expenses that you would typically be responsible for under Original Medicare (Parts A and B), except for Part B Excess Charges. Plan C is known for its comprehensive coverage and is highly favored among Medicare beneficiaries.

Medicare Supplement Plan D

Medicare Supplement Plan D functions similarly to Medicare Supplement Plan C in terms of covering your out-of-pocket expenses from Original Medicare (Parts A and B). However, it does not include coverage for the Part B annual deductible and Part B Excess Charges. Other than these exceptions, Plan D provides coverage for the majority of your out-of-pocket costs.

Medicare Supplement Plan F

Medicare Supplement Plan F provides the most extensive coverage for your out-of-pocket expenses incurred from Original Medicare (Parts A and B). This plan covers 100% of your out-of-pocket costs, including copays, deductibles, and coinsurance for Parts A and B. Medicare Supplement Plan F is highly sought after due to its comprehensive coverage, although it typically comes with a higher monthly premium compared to other plans.

Medicare Supplement High-Deductible Plan F

The Medicare Supplement High-Deductible Plan F is comparable to the standard Medicare Supplement Plan F, with the main difference being the inclusion of an annual deductible. After meeting the deductible amount of $2,800 (for 2024), the High-Deductible Plan F covers 100% of your out-of-pocket expenses for all covered services throughout the year. This plan offers comprehensive coverage once the deductible is met, making it a popular choice for individuals looking to balance coverage and costs.

Medicare Supplement Plan G

Medicare Supplement Plan G provides comprehensive coverage that is similar to Medicare Supplement Plan F for covering your out-of-pocket expenses from Original Medicare (Parts A and B). The only difference is that you are responsible for the annual Part B deductible with Plan G. However, Plan G covers all other costs, including copays, the Part A deductible, and the Part B 20% coinsurance. Medicare Supplement Plan G is increasingly popular due to its extensive coverage and is widely chosen by beneficiaries seeking comprehensive protection.

Medicare Supplement High-Deductible Plan G

Medicare Supplement High-Deductible Plan G closely resembles the traditional Medicare Supplement Plan F, with the exception of an annual deductible. With the High-Deductible Plan G, you are responsible for meeting the annual deductible of $2,800 (for 2023), as well as the annual Part B deductible. Once you have met these deductibles, the plan will cover 100% of your out-of-pocket expenses for all covered services. This plan provides an option for beneficiaries who prefer a higher deductible in exchange for lower monthly premiums.

Medicare Supplement Plan K

Medicare Supplement (Medigap) Plan K provides coverage for certain out-of-pocket expenses, such as Part A inpatient services (e.g., hospital stays) and preventive services (Colonoscopy, Mammograms, etc.). Additionally, it covers 50% of the costs for all other services, except for the Part B deductible and Excess charges. It's important to note that Medigap Plan K has an annual maximum-out-of-pocket limit of $7,060. Once you reach this maximum limit, you will no longer have to pay any costs for covered services.

Medicare Supplement Plan L

Medicare Supplement Plan L is comparable to Plan K in terms of coverage. It provides coverage for certain out-of-pocket costs, such as Part A inpatient services (e.g., hospital stays) and preventive services (Colonoscopy, Mammograms, etc.). Additionally, it covers 75% of the costs for all other services, except for the Part B deductible and Excess charges. Medicare Supplement Plan L has an annual maximum-out-of-pocket limit of $3,530. This means that once you reach this maximum limit, you will no longer be responsible for any costs for covered services.

Medicare Supplement Plan M

Medicare Supplement Plan M is closely comparable to Plan D. It provides coverage for the majority of your out-of-pocket expenses, excluding the Part B annual deductible , Part B Excess Charges, and 50% of the Part A annual deductible.

Medicare Supplement Plan N

Medicare Supplement Plan N provides coverage that is similar to Medicare Supplement Plan G, helping you pay for out-of-pocket expenses associated with Original Medicare (Parts A and B). The main difference is that you are responsible for the annual Part B deductible, Part B Excess Charges, and copays for doctor's visits and emergency visits that do not result in hospital admission. Plan N has been gaining popularity among Medicare beneficiaries.

Choosing the right Medigap plan


Choosing the right Medicare Supplement Plan, also known as Medigap, is an important decision that depends on your individual needs and circumstances. Here are some steps to help you choose the right plan:

  1. Understand your healthcare needs: Start by evaluating your healthcare needs, including the types of medical services you frequently use, any ongoing treatments or medications, and any specific health conditions you have. This will help you determine which areas of coverage are most important to you.
  2. Learn about Medigap plan options: Familiarize yourself with the different Medigap plans available in your area. Each plan is labeled with a letter (A, B, C, D, F, G, K, L, M, N) and offers different levels of coverage. The benefits for each plan with the same letter are standardized, but premiums can vary among insurance companies.
  3. Compare coverage and costs: Review the coverage details for each plan you're considering. Compare the benefits offered, such as deductibles, coinsurance, and copayments, as well as any additional benefits like foreign travel emergency coverage. Also, compare the premiums for each plan to ensure it fits within your budget.
  4. Consider your future needs: Anticipate any future healthcare needs or changes that may occur, such as upcoming surgeries or changes in prescription medications. Choose a plan that provides adequate coverage for both your current and future needs to avoid the need for frequent plan changes.
  5. Check insurance company ratings: Research the insurance companies that offer Medigap plans in your area. Look for companies with a good reputation for customer service and financial stability. You can check ratings and reviews from independent rating agencies to help you make an informed decision.
  6. Understand enrollment and switching rules: Be aware of the enrollment periods and rules for Medigap plans. In most states, the best time to enroll in a Medigap plan is during your open enrollment period, which starts when you turn 65 and are enrolled in Medicare Part B. During this period, you have guaranteed issue rights, meaning insurance companies cannot deny you coverage or charge higher premiums based on your health condition.
  7. Seek assistance if needed: If you're feeling overwhelmed or need help navigating the options, consider reaching out to a licensed insurance agent or a Medicare counselor. They can provide personalized guidance and help you understand the nuances of each plan.

Remember to take your time, carefully review the options, and choose a Medicare Supplement Plan that best aligns with your healthcare needs and budget.

What are the differences between Medicare Supplement Plans and Medicare Advantage Plans?

The table below summarizes the main differences between Medicare Supplement and Medicare Advantage:

Medicare Supplement PlanVersusMedicare Advantage
Plan
Medigap plans work alongside Original Medicare (Part A and Part B) and help cover certain out-of-pocket costs such as deductibles, coinsurance, and copayments. The coverage provided by Medigap plans is standardized and depends on the plan type (e.g., Plan A, Plan F, Plan G). However, Medigap plans do not typically include prescription drug coverageCoverage
Medicare Advantage plans replace Original Medicare and provide all the benefits of Part A and Part B. These plans often include additional benefits like prescription drug coverage (Part D), dental, vision, hearing, and wellness programs. Medicare Advantage plans vary in coverage and benefits, and the specifics depend on the plan you choose
With Medigap plans, you pay a monthly premium in addition to your Part B premium and Part A (if applicable). The premium amount varies depending on the plan and insurance provider. You will also have minimal out-of-pocket costs for Medicare-covered servicesPremium Cost
Medicare Advantage plans have a monthly premium, which may be as low as $0 in some cases. However, you still need to pay your Part B premium and Part A premium (if applicable)
You will have minimal out-of-pocket costs for Medicare-covered servicesOut-of-Pocket Cost
Medicare Advantage plans also have cost-sharing in the form of copayments, coinsurance, and deductibles, which vary based on the plan and the services you use
With Medigap plans, you can see any healthcare provider that accepts Medicare patients nationwide, as long as they participate in MedicareProvider NetworkMedicare Advantage plans have a network of healthcare providers. You typically need to use doctors and hospitals within the plan's network, although emergency care is covered anywhere in the United States
Medigap plans do not require referrals to see specialists, and you have the flexibility to see any specialist who accepts Medicare patients without network restrictionsReferrals and Coordination of CareMedicare Advantage plans often require you to choose a primary care doctor and obtain referrals to see specialists. This helps coordinate your care and manage healthcare costs
Medigap plans do not include prescription drug coverage. If you want prescription drug coverage, you can enroll in a separate Medicare Part D planPrescription Drug CoverageMost Medicare Advantage plans include prescription drug coverage as part of their benefits package (Part D)
Medigap plans do not typically offer additional benefits beyond what Original Medicare covers. You can purchase standalone policies for dental, vision, or hearing coverageAdditional BenefitsMedicare Advantage plans often include additional benefits like dental, vision, hearing, fitness programs, and wellness services
Open all-year-roundEnrollmentOnly allowed to enroll or switch plans during the Initial Enrollment Period (IEP), Medicare Advantage Open Enrollment Period (MA OEP), and Medicare Annual Enrollment Period (AEP)
Usually required outside of Medicare Supplement Open Enrollment Period. However, during the 6-months of Medicare Supplement Open Enrollment Period for plans, underwriting is not required and the policy is Guaranteed IssueMedical UnderwritingNo requirement for underwiring
Certain Medicare Supplement plans offer extra coverage for medical emergencies during international travel. This additional coverage is not available in all Medicare Supplement plans and may vary depending on the specific plan and insurance providerForeign TravelWith most Medicare Advantage plans, coverage for services while traveling abroad is limited, typically only extending to medical emergencies

What are the pros and cons of Medicare Supplement?

Here are some potential pros and cons to consider when evaluating Medicare Supplement: 

Pros

Fills the gaps left by Original Medicare

Choice freedom of Doctors and Hospitals

Nationwide Coverage

Predictable Costs

Guaranteed Renewal

Cons

Higher Premium Costs and Rate Increases

No Prescription Drug Coverage

Mostly No Extra Benefits

Limited Plan Options

Medical Underwriting

Why choose Medicare Supplement and not Medicare Advantage?

Choosing between Medicare Supplement (Medigap) and Medicare Advantage can depend on your personal preferences and healthcare needs. Here are some reasons why someone might choose Medicare Supplement over Medicare Advantage:

  1. Freedom to choose healthcare providers: Medicare Supplement plans allow you to visit any healthcare provider that accepts Medicare patients, without needing referrals or staying within a network. This can be advantageous if you have specific doctors or specialists you prefer to see.
  2. Predictable costs: Medigap plans provide more predictability in healthcare costs. With a Medigap plan, you typically pay a monthly premium in addition to your Medicare Part B premium, and the plan helps cover certain out-of-pocket costs, such as deductibles, coinsurance, and copayments. This can make it easier to budget for healthcare expenses.
  3. Comprehensive coverage: Medicare Supplement plans offer standardized benefits that can help fill the gaps in Original Medicare (Part A and Part B). Depending on the plan you choose, it may cover expenses like deductibles, coinsurance, and copayments that Original Medicare does not cover. This can provide you with more comprehensive coverage and potentially lower overall out-of-pocket costs.
  4. No network restrictions: Unlike Medicare Advantage plans, which typically have network restrictions, Medicare Supplement plans allow you to seek care from any healthcare provider that accepts Medicare. This can be beneficial if you frequently travel or reside in different areas, as you're not limited to a specific network.
  5. Coverage consistency: Medigap plans have consistent coverage benefits across insurance companies. Once you choose a Medigap plan with a specific letter (e.g., Plan F or Plan G), the benefits are standardized regardless of the insurance company offering the plan. This allows for easier comparison shopping and reduces the likelihood of changes to your coverage from year to year.

It's important to note that Medicare Advantage plans may also have their advantages, such as bundled benefits like prescription drug coverage, vision, dental, and hearing services, and potentially lower monthly premiums. Some individuals prefer the convenience of having all their healthcare needs managed through one plan.

Ultimately, the choice between Medicare Supplement and Medicare Advantage depends on your specific healthcare needs, preferences, and budget. It's advisable to carefully review the details of each option and consider how well they align with your unique circumstances.

Medicare Supplement Eligibility

Eligibility for Medicare Supplement

In order to be eligible for Medicare Supplement, there are generally certain requirements that need to be met. These include:

  1. Enrollment in both Medicare Part A and Part B (Original Medicare).
  2. Being a United States citizen or a US legal permanent resident for at least 5 years.
  3. Residing in the zip code where the insurance carrier offers the Medicare Supplement plan.
  4. Being able to answer health-related questions and potentially undergo Medical Underwriting if enrolling outside of the Medicare Supplement Open Enrollment Period (MS OEP).

Additionally, the age requirement for eligibility is typically 65 years or older.

What is Medical Underwriting?

Medicare Supplement underwriting involves insurance companies evaluating an applicant's health and other factors to determine their eligibility and the premium rates for a Medigap policy. This process helps insurers decide if they will offer coverage and how much it will cost based on the individual's health status. Ultimately, underwriting determines whether an applicant can enroll in a Medicare Supplement plan and the monthly premium they will pay.

Are there Medicare Supplement plans for beneficiaries under 65?

Certainly! If you are below 65 years of age, your options for purchasing Medicare Supplement policies are quite restricted. In the state of Michigan, you typically have two plan choices available: Plan A or Plan C. However, it's important to note that there is a limited number of insurance companies offering these plans specifically for beneficiaries under 65.

Medicare Supplement Premium Cost

Medicare Supplement Cost

Medicare Supplement plans determine their monthly premiums through insurance carriers, and there is no government program to assist with paying these premiums. The insurance company calculates your premium based on the following factors:

  1. Your zip code of residence.
  2. Gender (with slightly higher premiums for males compared to females).
  3. Tobacco use (with higher premiums for smokers).
  4. Preferred or Standard rating, where Preferred indicates lower health risk and Standard indicates higher health risk. During your Medicare Supplement Open Enrollment Period, you will always be considered Preferred Rated.

Some insurance companies provide discounted premium for beneficiaries if one or more household member(s) are enrolled for Medicare Supplement plan with the same insurance carrier. Other insurance companies provide discount if they pay by Electronic Fund Transfer (EFT).

Some insurance companies offer discounted premiums for beneficiaries if one or more household members are enrolled in a Medicare Supplement plan with the same carrier. Other companies provide a discount for payments made through Electronic Fund Transfer (EFT). It is important to note that Medicare Supplement premiums generally increase each year as you age. Additionally, these plans are guaranteed renewable, meaning the insurance carrier cannot terminate your coverage based on health reasons as long as you continue to pay your premium.


Can I have my Medicare Supplement monthly premium deducted from my SSI or RRB benefit?

No, it is not possible to have the monthly premium for Medicare Supplement plans deducted directly from your SSI or RRB benefits. Since Medicare Supplement plans are offered by private insurance companies, the payment of the monthly premium is typically done through methods such as check or Electronic Fund Transfer (EFT).

Medicare Supplement Enrollment

Enrolling in Medicare Supplement

Enrollment for Medicare Supplement is open throughout the year. However, in most cases, you will need to answer health-related questions and undergo underwriting unless you have special qualifying circumstances. These qualifying circumstances trigger a unique enrollment period known as the Medicare Supplement Open Enrollment Period (MS OEP). During this period, you have a "Guaranteed Issue" status, meaning you are guaranteed acceptance into a Medicare Supplement plan. The MS OEP lasts for six months from the date your qualifying event occurs. It is crucial not to miss the opportunity to enroll in a Medicare Supplement plan during the MS OEP, as it allows you to bypass underwriting and avoid answering medical questions.

The following are circumstances that may qualify you for "Guaranteed Issue" enrollment in a Medicare Supplement policy:

  1. Medigap Open Enrollment Period: This is a six-month period that starts when you're 65 or older and enrolled in Medicare Part B. During this period, you have the right to buy any Medigap plan offered in your state, regardless of your health status. Insurance companies cannot deny you coverage or charge you higher premiums based on your health.
  2. Guaranteed Issue Rights due to loss of other coverage: If you had a Medicare Advantage plan and you move out of the plan's service area, your plan ends its coverage, or other qualifying circumstances occur, you may have a guaranteed issue right to purchase a Medigap plan.
  3. Guaranteed Issue Rights due to certain plan changes or termination: If your Medigap plan leaves the Medicare program, violates its contract, or you lose your Medigap coverage through no fault of your own, you may have guaranteed issue rights to buy another Medigap plan.
  4. Other specific situations: There are additional circumstances that may grant you guaranteed issue rights, such as if you have employer or union coverage that ends, or if you're enrolled in a Medicare SELECT plan and move out of the plan's service area.

During these guaranteed issue periods, insurance companies are generally required to sell you a Medigap plan, cover all your pre-existing conditions, and cannot charge you higher premiums based on your health status. It's essential to be aware of these rights and take advantage of them when you qualify, as they provide important protections for individuals seeking Medigap coverage.

It's important to note that the Medicare Supplement Open Enrollment Period (MS OEP) should not be confused with the Medicare Advantage Open Enrollment Period (MA OEP).

Can I change from Medicare Advantage to Medicare Supplement and when?

Certainly! It is indeed feasible to transition from a Medicare Advantage plan to a Medicare Supplement plan, but there are specific guidelines and enrollment periods that you should understand.

Typically, you have the opportunity to switch from Medicare Advantage to Medicare Supplement during the Medicare Advantage Disenrollment Period. This enrollment period takes place annually from January 1st to February 14th. Within this timeframe, you can disenroll from your Medicare Advantage plan and revert back to Original Medicare (consisting of Part A and Part B). Once you have returned to Original Medicare, you can proceed to apply for a Medicare Supplement plan.

What does the Medicare Advantage Trial Right entail, and when is it applicable?

If you have a Medicare Supplement (Medigap) plan and are considering switching to a Medicare Advantage (Part C) plan, it's important to understand the concept of the "Trial Right" period. The Trial Right period allows you to try out a Medicare Advantage plan for a limited time and switch back to your original Medigap plan if you are not satisfied. Here are some key points to know:

  1. Trial Right Eligibility: To qualify for the Trial Right, you must be enrolled in a Medigap plan and decide to switch to a Medicare Advantage plan for the first time. The Trial Right period typically lasts for 12 months, starting from the date you enroll in a Medicare Advantage plan.
  2. Guaranteed Issue Right: During the Trial Right period, you have a guaranteed issue right to switch back to your original Medigap plan if certain conditions are met. This means that insurance companies are required to sell you a Medigap policy without medical underwriting or any pre-existing condition exclusions.
  3. Limited Timeframe: The Trial Right period is a one-time opportunity that starts when you enroll in a Medicare Advantage plan. It allows you to experience the benefits and coverage of a Medicare Advantage plan while keeping the option to return to your previous Medigap plan if you decide it better suits your needs.
  4. Medigap Coverage Discontinuation: If you decide to switch to a Medicare Advantage plan during the Trial Right period and later choose to return to your Medigap plan, you may not have guaranteed access to the same Medigap plan you had before. However, you have the right to purchase certain Medigap plans that are available in your area.

It's crucial to carefully consider your healthcare needs, including your preferred doctors and healthcare providers, the coverage and benefits offered by both Medigap and Medicare Advantage plans, and the potential cost differences before deciding to switch. Consulting with a licensed insurance agent or a Medicare representative can help you understand the specific rules and options available to you during the Trial Right period and ensure you make an informed decision.

Medicare Supplement Cost-Sharing

Medicare Supplement Cost-Sharing

Once again, the main objective of having a Medicare Supplement policy is to fill the gaps in coverage left by Medicare. The amount you need to contribute towards your healthcare expenses depends on the specific Medicare Supplement plan you choose. For instance, if you opt for Plan F or C, your cost-sharing is minimal as these plans cover almost all Medicare-approved services, leaving you with very little out-of-pocket costs. On the other hand, if you select Plan A, you will be responsible for paying for Part A and Part B coinsurance, Part B deductible, and other applicable expenses.

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