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Encuentre un Plan Medigap Adecuado para Usted Actualizado para AEP 2025 Si está cumpliendo 65 años o ya tiene Medicare, probablemente ha oído hablar de la “Parte B” — pero ¿qué cubre y cuánto cuesta realmente? Aquí le explicamos paso a paso los costos de la Parte B y cómo puede protegerse con un plan suplementario conocido como Medigap . 🧾 ¿Qué Cubre la Parte B de Medicare? La Parte B incluye: Visitas médicas (general y especialistas) Exámenes ambulatorios Equipos médicos (sillas de ruedas, oxígeno) Exámenes preventivos Atención de salud mental ambulatoria Algunos servicios de salud en casa Pero usted todavía tiene que pagar parte del costo. 💰 Costos de Parte B en 2025 Prima mensual estándar : $174.70 (en 2024 — puede subir) Deducible anual : $206.50 (en 2024) Coseguro del 20%: Para casi todos los servicios ⚠️ No hay un límite de gastos máximos. Esto significa que si necesita tratamiento frecuente, podría pagar miles de su bolsillo. 🩺 ¿Cómo le Ayuda un Plan Medigap? Los planes Medigap cubren los gastos que la Parte B no cubre, como: Costo de Parte B ¿Lo Cubre Medigap? Deducible anual ✔ (solo Plan F*) Coseguro 20% ✔ Casi todos los planes Cargos adicionales del médico ✔ Plan G y N *El Plan F solo está disponible para personas que eran elegibles para Medicare antes de 2020. 🧾 Parte B + Medigap = Menos Sorpresas Medigap le permite: Ver cualquier médico que acepte Medicare Tener costos mensuales más previsibles Evitar facturas grandes e inesperadas

Understanding Medicare Part B Costs & How Medigap Can Help in 2026 Find a Medicare Supplement (Medigap) Plan That Works for You Updated for AEP 2025 ENGLISH VERSION If you're turning 65 soon or already enrolled in Medicare, you've probably heard of “Part B” — but what does it actually cost , and how do you protect yourself from surprise bills? Let’s break it down clearly and show you how Medicare Supplement Insurance (Medigap) can help cover the gaps — especially those tied to Part B costs. 🧾 What is Medicare Part B? Medicare is divided into different “parts.” Think of Part B as the “Medical” part: your outpatient and doctor care coverage. ✅ Part B covers: Doctor’s visits (primary care and specialists) Outpatient surgeries and tests Preventive screenings (like mammograms or colonoscopies) Durable medical equipment (wheelchairs, walkers) Lab work, X-rays, MRIs Mental health outpatient care Some home health services But it doesn’t pay for everything. You’re still responsible for: A monthly premium A yearly deductible 20% coinsurance on most services 💰 What Will Part B Cost Me in 2026? As of 2025, the standard monthly premium is $185 . In 2026, this may go up—the official amount is announced each fall. Here’s what you’ll typically pay: Monthly premium : Usually $185, but higher if your income exceeds certain thresholds. Annual deductible : $257 in 2025 (subject to change for 2026) 20% coinsurance : For most services — and there's no cap unless you have extra insurance. Example : A $1,000 outpatient procedure = $200 owed (plus the deductible, if not met). 💡 Important : There is no maximum out-of-pocket limit for Part B services under Original Medicare alone! 🩺 Where Medigap Comes In Medigap plans help pay for the out-of-pocket costs that Part B leaves you with : Part B Cost Covered by Medigap? Annual deductible ✔ (Plan F only*) 20% coinsurance ✔ Most plans Excess charges (above Medicare rates) ✔ Plan G and N Out-of-pocket limit ✔ Plan K & L set a cap *Note: Plan F is only available to those eligible for Medicare before January 1, 2020. New enrollees can consider Plan G . 🧾 Part B + Medigap: A Smarter Combo If you only have Original Medicare (Part A and B), you’re responsible for all cost-sharing. Medigap plans work hand-in-hand with Original Medicare to: Cover what Medicare doesn't Allow you to see any provider nationwide who accepts Medicare Give you predictable costs , especially important if you’re on a fixed income 📊 Check the chart below to see how each Medigap plan covers Part B expenses like coinsurance, deductibles, and excess charges.