reason 1:
Lower annual maximum co-pay responsibility ($2,870 in 2025) compared to most Medicare Advantage plans.
reason 2:
Lower annual cost (premium and out-of-pocket) compared to Medicare Supplement Plans F, G or N.
| SUPPLEMENT GUIDE | NY STATE RATES | APPLICATION |
Like with other deductibles, do I pay the first $2,870 in bills?
No. After you pay the Parts A and B deductibles, Medicare pays its share of claims (usually 80%) and you pay the 20%. Once your deductible and 20% share reaches $2,870, then your supplement plan pays 100% for the rest of the year. Think of it as a $2,870 cap on your out of pocket costs.
| 2025 | 2024 | |
| Part A deductible per period | $1,676 | $1,632 |
| + Part B deductible | $257 | $240 |
| + Part B co-share | 20% | 20% |
| = Maximum Out of Pocket | $2,870 | $2,800 |
Will hospitals and doctors will accept my High Deductible plan?
Yes, if your provider participates in Original Medicare for your primary coverage, they will accept your Medigap supplemental coverage; including plans with deductibles like Plans G, N and High Deductible. This way you have access to the nationwide network of doctors and hospitals participating in Original Medicare.
How does a High Deductible compare to Medicare Advantage plan?
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- With a Medicare Supplement High Deductible plan, your annual maximum out-of-pocket cost is capped at $2,870. Medicare Advantage plans also include a limit on out-of-pocket costs; ranging from $4,500 to $9,350 per year for in-network medical services.
- Medicare Advantage plans manage your Medicare benefits through contracts with in-network providers and hospitals. As mentioned above, any provider accepting Original Medicare for your primary coverage will accept your supplement coverage – eliminating the “is my doctor in-network with my plan” questions.
- Most Medicare Advantage plans, including those with a low monthly premium, include Part D prescription drug coverage. With Medicare Supplement, you will need to obtain separate creditable Part D drug coverage. VA benefits meet that requirement.
- Many Medicare Advantage plans include features like dental allowance, fitness membership, eyewear and hearing aid benefits not available with Original Medicare.
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| Download 3 separate documents↓↓↓ |
| Globe Life application Form 1 sign page 3 (and 5 for EFT) |
| Globe Life application Form 2 sign page 1 |
| Globe Life application Form 3 sign page 1 |
| About Globe Life Insurance of NY |
Our agents are authorized to represent the Globe Life Insurance Company and Humana Medicare Supplement High Deductible Plans. Please call us at (518) 346-2115 or send any agent a quick note with your questions.