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You can’t get Medigap with Medicare Advantage.
It’s only for those who stick with Original Medicare.

Think it’s just hospital coverage?
Medicare Part B often covers mental health, durable equipment, even second opinions for surgery.

Over 64 million Americans enrolled in Medicare, a federal health insurance program.
Medicare covers doctor visits, hospital stays, and prescription medications for eligible individuals.
Eligibility: Age 65+, certain disabilities, or End-Stage Renal Disease; must be U.S. citizen or lawful resident.
Medicare has four parts: A (hospital), B (medical), C (Advantage), D (prescription drugs).
Understanding options helps maximize benefits and minimize out-of-pocket costs.

Medigap is supplemental insurance covering gaps in Medicare Parts A and B costs.
There are 10 standardized Medigap plans (A-D, F, G, K-N) in most U.S. states.
Plans cover copayments, coinsurance, deductibles, with 2025 caps of $3,610–$7,220.
Enroll at 65 during six-month open enrollment for guaranteed coverage, regardless of pre-existing conditions.
Medigap allows any Medicare-accepting doctor and includes a 30-day trial for plan cancellation.

Medicare tax funds Part A hospital insurance, applying to nearly all U.S. workers, including self-employed.
The standard Medicare tax rate is 2.9%, split 1.45% each between employers and employees.
All earned income is taxable, with high earners paying 0.9% additional Medicare tax above thresholds.
Net investment income above thresholds is taxed 3.8%, affecting dividends, interest, capital gains, and rentals.
Collected taxes support hospital, hospice, and nursing care, but the trust fund may face shortfalls by 2031.

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SSBCI perks tighten—only health-related benefits now qualify; non-medical perks are being removed.

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Low-income Part D beneficiaries face higher prescription costs due to reduced federal premium support.

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Medicare eligibility narrows to citizens, green card holders, and certain legal immigrants only.

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Medicare Savings Programs remain complex, with simplification delayed until 2034 for low-income enrollees.

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Provider networks may change; confirm doctors and hospitals stay in-network before switching plans.

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🚪 No one from Medicare shows up at your door — that’s always a scam.

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📞 Unexpected calls “from Medicare”? Hang up. Medicare never cold-calls asking for your info.

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💳 Beware fake card replacements — your Medicare card never needs “activation” or chip upgrades.

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⚠️ Pushy sales tactics for Advantage plans? Illegal. Licensed agents can’t offer gifts or charge fees.

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🛡️ Protect yourself: never share info, reject freebies, check benefit statements, report scams fast.

Cancer-specific insurance provides financial support if you’re diagnosed with cancer, beyond your regular health plan.