Is Medicare part B deductible Medigap coverage available?

PER CMS, Medicare Supplement (Medigap) plans sold after January 1, 2020, third-party insurance companies are not allowed to offer coverage for the Medicare Part B deductible.

This change is due to the Medicare Access and CHIP Reauthorization Act (MACRA) of 2015, which phased out the sale of Medigap Plans C and F, the two plans that previously offered coverage for the Part B deductible.

If you were eligible for Medicare before January 1, 2020, and you purchased a Medigap Plan C or F before that date, you can keep your plan and continue to receive coverage for the Part B deductible. If you were eligible for Medicare on or after January 1, 2020, you cannot purchase a Medigap Plan C or F that covers the Part B deductible.

However, other Medigap plans may offer some coverage for Part B coinsurance and copayments, which can help you with out-of-pocket costs. Medigap Plans K and L, for example, cover a percentage of Part B coinsurance and copayments, while Plans A, B, C, D, G, M, and N offer varying levels of coverage for these costs.

There is a Medicare Part B deductible. Once you meet the deductible, you typically pay 20% of the Medicare-approved amount for most doctor services and outpatient therapy.

It's important to note that Medicare Advantage plans (which are an alternative to Original Medicare + Medigap + Part D prescription drug coverage) may also offer different levels of coverage for Part B coinsurance and copayments, as well as other out-of-pocket costs. There may be "give-back" amounts on certain Medicare Advantage Plans.

Medicaid: If beneficiaries have limited income and resources, they may qualify for Medicaid, a joint federal and state program that helps with healthcare costs. Medicaid may cover the Part B deductible as well as other costs associated with Medicare.

MedHelpCenter.us recommends that you call the Senior Health Insurance Agency at 813-592-8568 for further explanation.