A Medicare supplement (Medigap) insurance, sold by private companies, can help pay some of the health care costs that Original Medicare doesn't cover, like copayments, coinsurance, and deductibles.

Some Medigap policies also offer coverage for services that Original Medicare doesn't cover, like medical care when you travel outside the U.S. If you have Original Medicare and you buy a Medigap policy, Medicare will pay its share of the Medicare-approved amount for covered health care costs. Then your Medigap policy pays its share.

A Medigap policy is different from a Medicare Advantage Plan. Those plans are ways to get Medicare benefits, while a Medigap policy only supplements your Original Medicare benefits.

Medigap policies do not cover everything!

Medigap policies generally don't cover long-term care, vision or dental care, hearing aids, eyeglasses, or private-duty nursing.

FOR 2026: The Following Deductibles and/or Co-Pays apply:

PART “A” (HOSPITAL)

Inpatient Hospital Stay –You Pay…(benefit period ends 60 days after release from care)

• Deductible: $1,736 per benefit period

• Coinsurance (days 1-60): $0 per day of each benefit period

• Coinsurance (days 61-90): $434 per day of each benefit period

• Coinsurance (60 lifetime reserve days): $868 per day after day 90 of each benefit period

Skilled Nursing Facility Stay–You Pay…(3-dayinpatient hospital stay required first)

• Coinsurance (days 1-20): $0 per day of each benefit period

• Coinsurance (days 21-100): $217.00 per day of each benefit period

PART “B” (MEDICAL):

• Part B Deductible–You Pay… $283 per calendar year

• Part B Coverage–You Pay…Generally 20%, after $283 deductible is met

Part B Premium (including high income Part B & Part D) [paid to Medicare]

• Those enrolled in Part B will pay at least the standard $202.90/mo. premium(based on income).

• High-Deductible Plan G has a $2,950 Annual Deductible & includes the Part B deductible of $283.00

• Higher income earners will pay a Part B IRMAA (Income Related Monthly Adjustment Amount) in addition to the $202.90/mo. standard premium.

• Higher income earners who are enrolled in Part D Prescription Drug coverage also pay a Part D IRMAA in addition to the monthly insurance premium for a Part D prescription drug plan or Medicare Advantage plan that includes Part D coverage. (For this information – Please Call me)

As of January 1, 2026 – I will no longer be able to enroll prospects and clients into the Medicare Prescription Drug Plans (Part D). With the changes in Medicare’s Drug Plans and new rules where carriers are no longer paying agent’s commissions – I cannot take the time to analyze plans and not be paid. Many carriers are dropping some of their plans and merging other plans into the only plan they are offering for 2026. I am sorry – but this is something I have no control over. If you need to change your plan – GO TO www.Medicare.gov, create a User Name & Password and enter your drugs and the program will tell you which plans are available based on your drug list. GOOD LUCK!

PART "D" - Prescription Drug Plans (PDP)*

• Annual Deductible for 2026 is $615.00 for Most Plans – Several Plans offer other deductibles and some offer a Zero Deductible, but the premiums are higher, but also the cost of drugs “MAY” be lower overall.

• Most Plans in 2026 will offer the “Insulin Savings Program” where your Insulin is limited to only a $35.00 maximum charge per Insulin Drug per month.

• The Donut Hole or Coverage Gap was eliminated in 2025 and will no longer be available.

• Once you reach the $2,100** (This amount may change each year) of out of pocket drug expenses – Your drugs are all free for the rest of the 2026 calendar year.

• There are approximately 10 Available Drug Plans in South Florida for 2026 and they vary in premiums. Average was about $35.00 per mo. in 2025 and that is likely to be higher in 2026.

* Please note that Agents are no longer being paid to enroll members into Part D Drug Plans and that the carriers no longer wish to use agents to sell their plans. Access to the drug plans is at www.Medicare.gov

Subject to change each year

*IMPORTANT: DO NOT PICK A PLAN THAT HAS LESS THAN A 3 STAR RATING OR IS LISTED AS “TOO NEW TO BE MEASURED” AS IT IS NOT RECOMMENDED.

Insurance plans that aren't Medigap or Medicare Supplements:

Some types of insurance aren't Medigap or Medicare Supplement plans, they include:

• Medicare Advantage Plans (like an HMO, PPO, or Private Fee-for-Service Plan)
• Medicare Prescription Drug Plans
• Medicaid
• Employer or union plans, including the Federal Employees Health Benefits Program (FEHBP)
• TRICARE
• Veterans' benefits
• Long-term care insurance policies
• Indian Health Service, Tribal, and Urban Indian Health plans

Dropping your entire Medigap or Medicare Supplement policy (not just the drug coverage)

If you decide to drop the entire Medigap or Medicare Supplement policy, you need to be careful about the timing. For example, you may want a completely different Medigap or Medicare Supplement policy (not just your old Medigap or Medicare Supplement policy without the prescription drug coverage), or you might decide to switch to a Medicare Advantage Plan that offers prescription drug coverage.

If you drop your entire Medigap or Medicare Supplement policy and the drug coverage wasn't creditable or you go more than 63 days before your new Medicare coverage begins, you have to pay a late enrollment penalty for your Medicare Prescription Drug Plan, if you choose to join one.