Medicare's 2025 open enrollment highlights the importance of Medigap plans to cover gaps in Original Medicare, which covers only 80% of Part B costs and has no out-of-pocket limit. Ten standardized plans (A-N) offer varying coverage and costs. Popular options include Plan G, covering nearly all costs except the Part B deductible, and Plan N, which covers most costs with small copays. Plans K and L offer lower premiums with cost-sharing and out-of-pocket limits. Some plans like F and C are closed to new enrollees.
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