Explore clear, simple descriptions of Medicare Parts, Supplemental insurance, and deductibles, then identify your recommended structure using our diagnostic engine.
Government Medicare is divided into four primary parts, plus private supplement options. Here is what they cover and what they cost.
Covers inpatient hospital stays, skilled nursing facility care, hospice care, and limited home healthcare services.
Covers doctor services, outpatient clinical treatment, preventive tests, ambulance rides, and durable medical equipment.
Consolidated alternative provided by private insurers that wraps hospital, outpatient medical, and often drug benefits into one local network plan.
Standalone policies managed by private companies to cover brand name and generic retail pharmacy prescription drug costs.
Medigap plans do not replace Original Medicare; instead, they serve as financial buffers that pay the 20% co-insurance costs and hospital deductibles. Sold as alphabetized packages (e.g., Plan F, Plan G, Plan N), their coverage is federally standardized. This means a Plan G with carrier A offers identical medical benefits to a Plan G with carrier B—only the monthly rates differ.
Plan G: The industry gold standard. It covers all outpatient and hospital cost-sharings, leaving you with only the tiny annual Part B deductible ($240/yr) to cover.
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