The Medicare advantage plan K is the most affordable Medicare Advantage plan. Its premiums are considerably low as compared to the other plans. It is also a plan that comes in handy it terms of out of pocket medical expenses. The main difference between the Plan K and other plans is that it caters for its covered benefits up to a certain percentage. The only benefit that it pays in full is the Medicare Part A and Part B copayments and coinsurance for an additional 365 days after you have depleted all your Medicare benefits. However, since this plan does not cover the most part of your out-of-pocket expenses, the premiums charged are also low.

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The Medicare plan K also offers an out-of-pocket limit. This limit is of $5240. If your out-of-pocket expenses reach this limit, the Medicare Plan K will pay for all your costs covered by Medicare. This out of pocket limit is very useful if you have a health condition that accumulates a lot of out of pocket expenses or you want to be cushioned against future medical occurrences that may increase your out-of-pocket costs.  Medicare advantage Plan K covers 50% of the covered benefits. You will hence get 50% coverage on skilled nursing facility care coinsurance, Medicare part A deductible, Medicare Part B copayments and coinsurance, Medicare Part A copayments and coinsurance in hospice care and the first three pints of blood that you receive during a medical procedure. However, Plan K covers in full Medicare Part A coinsurance and medical costs for an extra 365 days after you have used up all your Medicare benefits.

There are however some benefits that you will not receive with the Medicare Advantage plan K. This includes Medicare Part B excess charges and Medicare Part B deductible. When making a decision about this plan, you should consider the fact that you will have more out of pocket expenses to cater for as compared to other plans. This is because this plan pays for only 50% of most of its benefits. This plan on the other hand charges lower premiums as compared to other plans that cover 100% of their benefits. You should hence conduct an evaluation of your out-of-pocket expenses to find out if you can manage with the Plan K. If your out-of-pocket expenses are few and you only need little help catering for them, then you should definitely opt for this affordable plan.


Medicare Advantage Plan G is a very comprehensive plan. It is almost similar to the Plan F. However, the two plans are different in the sense that the plan G does not cover Medicare Part B deductible which is catered by the plan F.  Some of the out-of-pocket expenses that are catered for the plan G include Medicare Part A deductible, Medicare Part B excess charges, Medicare Part B copayments and coinsurance, Medicare Part A copayments and coinsurance in hospice care, Coinsurance in skilled nursing facility care and it also covers for the first three pints of blood that you receive in case of a medical procedure. It also covers Medicare part A coinsurance and medical costs for inpatients for a period of an additional 365 days after depleting your Medicare benefits. It also covers 80% of approved costs up to plan limits in foreign medical emergency travel.

Medicare advantage plan G and F are the only plans that cater for the Part B excess charges. These are the additional charges charged by a doctor or hospitals that are above the Medicare approved charges. The Medicare Advantage insurance Plan G has a very wide coverage and is available at https://www.medicareadvantage2019.org/. If you have a medical condition that needs frequent hospital visits or you have too many out of pocket expenses that are increasing your medical bills, plan G is an option that you should consider. This plan is quite expensive due to the comprehensive coverage and you should hence consider some factors like affordability. The plan is sold by most of the private insurance companies in different states.

The prices of the plan may differ due to different pricing strategies by insurance companies. The benefits that you receive with the Plan G are however standardized and they are hence similar despite the insurance company you purchase the plan from. Plan G is also not a compulsory plan that private insurance companies are required to have. Many insurance companies have to offer the Plan A on compulsory basis. They then offer either Plan C or plan F where many opt for the Plan F due to its comprehensive coverage. The plan G may prove hard to find as some of the insurance companies may not provide it as it is almost similar to plan F. Before deciding on settling on this plan, you should research to know if there are insurance companies in your state offering the plan.