Understanding Medigap Basics for New Braunfels Seniors
Medigap, or Medicare Supplement Insurance, fills gaps in Original Medicare (Parts A and B), such as deductibles, coinsurance, and copayments. In 2026, with the Part B deductible rising to $283, understanding Plans A, G, and N will protect your finances and health.
In New Braunfels, Medigap ensures predictable costs at facilities like Resolute Health Hospital or CHRISTUS Santa Rosa Hospital. Plans A, G, and N are the primary options for new beneficiaries in 2026.
Detailed Comparison of Medigap Plans A, G, and N
Plan A offers basic “core” benefits but skips excess charges and foreign travel. Plan G is the most comprehensive, covering Part B excess charges and foreign travel. Plan N offers great value by using copays ($20 for doctor visits, $50 for ER) to keep premiums lower.
2026 Cost Factors Impacting Your Medigap Choice
In 2026, the Part B standard premium is $202.90, and the annual Part B deductible is $283. Medigap premiums in New Braunfels average $120-$250 monthly depending on the plan and your specific factors like age and tobacco use.
Why Plan G is the Most Popular Medigap Choice in 2026
Plan G is popular because it covers everything except the Part B deductible. It includes Part B excess charges, which is vital if you see specialists who don’t accept Medicare assignment. It provides total predictability after you meet the once-yearly $283 deductible.
Why Plan N Offers Great Value for Budget-Conscious Seniors
Plan N delivers near-Plan G benefits at 15-25% lower premiums. You pay small copays for doctor and ER visits, but the monthly savings often outweigh these costs for healthy seniors. It’s a perfect fit for routine checkups at New Braunfels clinics.
Making Your Decision: Next Steps for New Braunfels Seniors
- Choose Plan A if minimizing premiums is your top priority.
- Choose Plan G for maximum coverage and peace of mind.
- Choose Plan N for the best balance of value and coverage.
Call to Action
Ready to compare personalized quotes? Call Turning 65 Solutions at 830-217-6711 today. Our local agents serve New Braunfels with free, no-obligation advice. Secure your 2026 coverage now!