AAA Medicare Supplement Coverage and Costs

If you're looking for a reliable Medicare Supplement provider, AAA Medicare Supplement is worth considering. AAA Medicare Supplement offers a range of coverage plans to fit different budgets and needs.

AAA Medicare Supplement coverage plans are designed to fill gaps in Original Medicare coverage, including deductibles, copays, and coinsurance.

AAA Medicare Supplement coverage can be purchased by anyone eligible for Medicare, regardless of age or health status.

Medicare Supplement plans are designed to fill the gaps in Original Medicare coverage. You can enroll in a Medicare Supplement plan at any time during your Medicare Annual Enrollment Period (AEP).

To be eligible for Medicare Supplement, you must be enrolled in Original Medicare. This means you need to have Part A and Part B.

You can choose from a range of Medicare Supplement plans, labeled A through N. Each plan has different benefits and costs.

Here's a brief overview of the Medicare Supplement plans:

Medicare Supplement plans are standardized, so the benefits are the same across different insurance companies. However, the cost and availability of each plan may vary.

Medicare pays its share of your healthcare costs, covering expenses like inpatient hospital stays, skilled nursing facility care, and hospice services. You're also covered for doctor's services, hospital outpatient care, and some preventive services.

A monthly premium is the fee you pay to the plan in exchange for coverage, and each Medicare Supplement plan has a different monthly premium. You can compare costs and benefits side-by-side on the AARP Medicare Supplement Insurance plans website.

The deductible is the amount you pay out-of-pocket for covered services before Medicare and/or your Medicare Supplement plan begins to pay. Most Medicare Supplement plans provide coverage for your Part A hospital deductible, but you're responsible for your Medicare Part B deductible, which is $257 in 2025.

A monthly premium is the fee you pay to the plan in exchange for coverage. Each Medicare Supplement plan has a different monthly premium.

The deductible is a preset, fixed cost that you pay out-of-pocket for covered services before Medicare and/or your Medicare Supplement plan begins to pay. Most Medicare Supplement plans provide coverage for your Part A hospital deductible.

In most cases, you're responsible for your Medicare Part B deductible, which is an annual cost of $257 in 2025.

A deductible is the amount you pay out-of-pocket for covered services before Medicare and/or your Medicare Supplement plan begins to pay.

Copayment (also known as a copay) and coinsurance are a kind of cost sharing. A copay is a set, flat amount paid each time, such as a $20 copay for each in-office doctor visit.

Coinsurance requires you to pay a percentage of the Medicare-approved amount each time.

Medicare Supplement Plan A offers just the Basic Benefits. This means you'll have to cover some out-of-pocket expenses on your own.

Plan B, on the other hand, covers Basic Benefits plus a benefit for the Medicare Part A deductible. This could be a significant expense if you need to spend time in a hospital.

Medicare Supplement plans are designed to help you pay some of the out-of-pocket costs associated with Original Medicare, filling in the gaps of coverage. Benefits and costs vary depending on the plan selected.

You'll want to consider your health needs and budget when deciding which Medicare Supplement plan is right for you. Our AAA Licensed Insurance Agents will talk with you to understand your personal situation and help you sort through your options.

If you prefer to have more coverage and less out-of-pocket expense, plans G, C, or F may be right for you. These plans typically have a higher premium and offer the most supplemental coverage, paying up to 100% of your out-of-pocket costs for many Medicare-approved services.

Here are some key differences between plans to consider:

Medicare premiums vary, depending on how long you (or your spouse) worked, when you first enroll, and your current income.

Medicare has four main parts: Hospital Insurance, Medical Insurance, Medicare Advantage Plans, and Prescription Drug Coverage. These parts work together to provide comprehensive coverage for healthcare expenses.

Hospital Insurance provides coverage for inpatient hospital care, skilled nursing facility care, hospice care, and some home health care. This is crucial for those who need extended hospital stays or require specialized care at home.

Medical Insurance covers certain doctors' services, outpatient care, medical supplies, and preventative services. This part of Medicare helps cover routine check-ups and medical procedures.

Medicare Advantage Plans are all-in-one care options offered by private insurance companies. These plans combine Parts A and B in one plan and usually include Part D prescription drug coverage. Some Medicare Advantage Plans may also include extra benefits not provided by Original Medicare, such as dental, vision, and hearing coverage.

Prescription Drug Coverage helps pay for prescription medications and covered vaccines. This is essential for those who rely on prescription medications to manage chronic conditions or maintain their health.

Here's a quick summary of the four parts of Medicare:

Most Medicare beneficiaries add private insurance coverage, such as a Medicare Advantage plan or Medicare Supplement (Medigap) plan, and Medicare Part D prescription drug coverage to lower out-of-pocket costs.

Original Medicare has gaps in coverage and high out-of-pocket costs, which is why relying solely on it is not recommended. Our AAA Licensed Insurance Agents advise against it.

You must add Part D prescription drug coverage to Original Medicare to help pay for your prescription drugs. Offered by private carriers, Part D helps pay for your prescription drugs.

You may want to add Medicare Supplement Insurance, also known as Medigap, to help pay some of the out-of-pocket costs that come with Original Medicare. Can help pay healthcare costs, such as copays, coinsurance, and deductibles.

Medicare premiums vary depending on how long you (or your spouse) worked, when you first enroll, and your current income. Most people do NOT pay a monthly premium for Part A.

If you or your spouse have made payroll contributions to Social Security for at least 10 years, you won’t pay a Part A premium. If not, you’ll pay a monthly Part A premium—and that premium will be higher if you enroll late.

Everyone pays a monthly premium for Part B. The premium varies depending on your income and when you enroll in Part B. Most people pay the set standard premium.

To cover the gaps and lower out-of-pocket costs, most Medicare beneficiaries add private insurance coverage, such as a Medicare Advantage plan (Part C) or Medicare Supplement (Medigap) plan, and Medicare Part D prescription drug coverage.

Here are some options to consider: