Original Medicare (Part A and Part B) offers a range of health insurance benefits but leaves some out-of-pocket costs that can add up quickly. The best Medicare Supplement Insurance plans (also called Medigap) can help cover some of these costs.
Find the best supplemental insurance for Medicare for your health insurance coverage by comparing the basic benefits of each plan.
Health Care Costs and Original Medicare
Original Medicare provides health insurance coverage for hospital stays, doctor's office visits, lab testing, medical supplies and some other services. For Medicare beneficiaries, other out-of-pocket costs can add up quickly.
- In 2025, the Medicare Part A deductible for in-patient hospital care is $1,676 per benefit period.
- Days 61-90 of hospital stays require a $419 coinsurance payment per day in each benefit period in 2025.
- Any hospital stays longer than 91 days in 2025 require a $838.
- The Medicare Part B deductible in 2025 is $257 for the year.
- After the Part B deductible is met, you typically pay a 20% coinsurance of the Medicare-approved cost for medical services.
To get help with some of these costs, millions of Medicare beneficiaries choose to buy a Medicare Supplement Insurance plan.