All four plans include:

✔ Part A Coinsurance & Hospital Costs – Covers up to 365 additional days after Medicare benefits are exhausted.
✔ No Coverage for Part B Deductible – In 2025, the annual Part B deductible is $257, which must be paid out-of-pocket.

• Plans G and N offer more comprehensive coverage.

  • Plan G covers Part B excess charges, while Plan N does not.
  • Plan N requires a $20 copay for doctor visits and a $50 copay for ER visits (waived if admitted).
    
    

• Plans K and L provide partial coverage for key benefits:

  • Plan K covers 50%, and Plan L covers 75% of:
    • Part B coinsurance or copay (except Plan N’s required copays).
    • First three pints of blood.
    • Part A hospice coinsurance or copayment.
    • Skilled nursing facility coinsurance.
    • Part A deductible.
      
      

• Foreign Travel Coverage

  • Only Plans G and N cover 80% of emergency medical expenses abroad after a $250 deductible.
  • Plans K and L do not cover foreign travel emergencies.
    
    

• Out-of-Pocket Limits (2025)

  • Plan K: $7,220
  • Plan L: $3,610

Choosing the best plan depends on your healthcare needs and budget. A licensed professional can review your expected medical expenses and help you select a plan that maximizes your benefits.