Key Medicare Parts A & B Coverage Gaps
Medicare Supplements
Plan F’s benefits cover all deductibles and coinsurances above.
Plan G is the same as Plan F except its does not pay the Part B Deductible (see table above).
Plan N is similar to Plan G – has copays for doctor visits ($20) and ER visits ($50) – additional costs if non-participating providers are used.
The deductible for High Deductible Plans F & G is $2870 (not to be confused with standard Plan F & G)
Part D – Overview
Part D Prescription plans have been greatly simplified for 2025.
Most plans have a deductible of $590.
Approaching the deductible, you pay discounted rates for covered medications.
When the deductible has been reached, you pay copays/coinsurances (dependent on plan and prescriptions) until you’ve paid $2000 for covered drugs.
Think of the deductible as the crossover point between paying discounted prices and paying copays.
Your maximum out of pocket in 2025 for covered drugs is $2000 + your Part D plan premium.