If you decide to stay with Original Medicare, you might be able to sign up for a Medicare Supplement (Medigap) plan to help pay for Original Medicare’s out-of-pocket costs. Different Medigap plans pay for different amounts of those costs, such as copayments, coinsurance, and deductibles. All plans cover Medicare Part A hospital coinsurance costs at 100%. Beyond this one benefit, the plans vary on what they cover with some plans being more comprehensive than others. Medicare Supplement plans sold today don’t cover prescription drugs, and you can’t use them with Medicare Advantage plans.
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