What is the best Medicare plan that covers everything?

There is no single "best" Medicare plan that covers absolutely everything. The most comprehensive options combine different parts of Medicare, and the "best" fit depends entirely on your specific health needs, location, budget, and preference for provider networks.

What's the highest rated Medicare plan?

There's no single "best" Medicare plan, as it depends on your needs, but top-rated providers for Medicare Advantage (Part C) often include Aetna, UnitedHealthcare (AARP), Humana, and Kaiser Permanente, praised for wide networks, low costs, or extra benefits like dental/vision; for Medicare Supplement (Medigap), UnitedHealthcare/AARP and Humana frequently lead in perks and overall value. Always compare plans on Medicare.gov for your specific location and prescriptions, considering costs, doctor networks, and extra benefits like vision, dental, or fitness programs. 

Is there a medicare plan that pays 100%?

Plan K & Plan L show how much they'll pay for approved services before you meet your out-of-pocket yearly limit and Part B deductible. After you meet these amounts, the plan will pay 100% of your costs for approved services.

What are the biggest mistakes people make with Medicare?

The biggest Medicare mistakes involve missing enrollment deadlines, failing to review plans annually, underestimating total costs (premiums, deductibles, copays), not enrolling in a Part D drug plan with Original Medicare, and assuming one-size-fits-all coverage or that Medicare covers everything like long-term care. People often delay enrollment, get locked into old plans without checking for better options, or overlook financial assistance programs, leading to higher out-of-pocket expenses and penalties. 

What medicare plan covers everything for seniors?

Original Medicare covers most medically necessary services and supplies in hospitals, doctors' offices, and other health care facilities.

The Best Medicare Supplement Plans in 2024 and 2025

Is Blue Cross or UnitedHealthcare better?

UnitedHealthcare gets slightly higher overall star ratings than BCBS and may offer lower prices, but BCBS might offer a better customer experience.

What are the 5 things Medicare doesn't cover?

Medicare generally doesn't cover long-term care, most dental care, routine vision services (like glasses), hearing aids/fittings, and cosmetic surgery, though it does provide strong coverage for hospital and doctor services; you can often get coverage for these gaps through Medicare Advantage (Part C) or supplemental plans. 

Is it better to go on Medicare or stay on private insurance?

Neither Medicare nor private insurance is universally "better"; the best choice depends on individual needs, but Medicare often offers lower overall costs and simplicity for seniors, while private insurance excels in covering dependents and potentially offering more choice with networks/out-of-pocket caps, though at higher premiums. Medicare boasts lower admin costs and standardized coverage, but Original Medicare lacks an out-of-pocket maximum, a feature typically found in private plans and Medicare Advantage (Part C). 

Which medicare advantage plan denies the most claims?

Centene (Wellcare) and CVS Health (Aetna) have faced scrutiny for high prior authorization denial rates in Medicare Advantage (MA) plans, with reports showing they had the most denied requests in 2023, though many denials were overturned on appeal, indicating issues with their strict criteria, while UnitedHealthcare also faces lawsuits and uses technology that has led to increased denials, especially for post-acute care, highlighting systemic challenges with MA plan claim approvals. 

Why are doctors dropping Medicare patients?

Physician Medicare reimbursement dropped 33% since 2000, when adjusted for inflation, according to the AMA. As a result, Ferguson said, many practices—particularly small, independent ones—can no longer afford to absorb the losses. "It's gotten to a point where you can't absorb it.

Who qualifies for an extra $144 added to their social security?

You qualify for an extra ~$144 on your Social Security check if you have a Medicare Advantage (Part C) plan with a "Part B Giveback" benefit, which refunds some or all of your Medicare Part B premium, appearing as extra cash in your check, but eligibility depends on living in the plan's service area and paying your own Part B premiums. The "144" figure was common when the Part B premium was around that amount, but the actual refund varies by plan and location, potentially exceeding the full premium. 

What is the best insurance for full coverage?

The best full coverage car insurance companies with low rates

• American Family: $2,607 per year.
• Auto-Owners: $1,985 per year.
• State Farm: $2,090 per year.
• Travelers: $1,712 per year.
• USAA: $1,499 per year. (USAA is available only to active duty military, veterans and their families.)

Is it better to have straight Medicare or a Medicare Advantage plan?

Neither Original Medicare nor Medicare Advantage (MA) is inherently "better"; the best choice depends on your health, budget, and lifestyle, with Original Medicare offering provider freedom and MA providing bundled benefits (dental/vision) and cost predictability via an out-of-pocket maximum, but often with network restrictions. Choose Original Medicare + Medigap for nationwide access and no networks, ideal for travelers or those wanting maximum choice, while Medicare Advantage suits those wanting all-in-one coverage (including drugs/extras like dental/vision) with lower upfront costs and a cap on yearly spending, provided they stay in-network. 

What is the best medical plan for seniors?

There's no single "best" medical plan for all seniors; it depends on individual needs, but Original Medicare (A & B) + Medigap + Part D (for drugs) offers broad freedom, while Medicare Advantage (Part C) bundles everything with extra benefits like dental/vision but uses networks. Low-income seniors might qualify for Medicaid, and those with specific needs might use PACE. Compare costs (premiums, deductibles, copays) and coverage (doctors, drugs, extras) for plans like UnitedHealthcare, AARP/UnitedHealthcare, Humana, and Kaiser Permanente (for ACA plans) to find the right fit. 

Can I switch back to Original Medicare?

Yes, you can switch back to Original Medicare from a Medicare Advantage plan, primarily during the Medicare Open Enrollment Period (Oct 15 - Dec 7) or through Special Enrollment Periods (SEPs), such as when you move out of your plan's service area, but you may need to enroll in a separate Part D drug plan and Medigap policy (which requires medical underwriting unless guaranteed issue) to get comprehensive coverage. 

What is the disadvantage of Plan G?

The main disadvantages of Medicare Plan G are that it requires you to pay the annual Medicare Part B deductible out-of-pocket, doesn't cover prescription drugs (requiring a separate Part D plan), and excludes dental, vision, and hearing care, often leading to higher premiums than less comprehensive plans. It also means managing two separate policies (Medigap + Part D) and can have enrollment restrictions if you're outside guaranteed periods, notes Omaha Insurance Solutions.
 

Who has the best medicare advantage plan out there?

Best Medicare Advantage Providers for 2026: Sign Up by Dec. 7

• Best Overall: Aetna CVS Health.
• Best for Low Costs, Best Quality: Alignment Health.
• Best for Patient Experience: Humana.
• Also Great for Low Costs and Patient Experience: HealthSpring (formerly Cigna)
• Best for Drug Coverage Costs: Kaiser Permanente.

What insurance company has the most complaints?

There isn't one single company with the "most" complaints universally, as it varies by insurance type (auto, home, health) and reporting agency, but Allstate frequently appears at the top of "worst" lists for auto/property due to aggressive claims tactics (lowballing, delays). For home insurance, companies like American Bankers and Spinnaker show high complaint ratios, while some reports point to high denial rates for health insurers like AvMed and UnitedHealthcare. 

Why do doctors not accept Medicare Advantage plans?

While it is rare for a doctor to stop accepting a Medicare Advantage plan, it could happen. The most common reason that doctors may discontinue their acceptance of Medicare Advantage is that the private insurance company makes it difficult or time-consuming for the doctor to get paid for their services.

What is the best secondary insurance if you have Medicare?

Best Medicare Supplement Insurance Companies in 2026

• UnitedHealthcare / AARP – Best Plan Pairing: Plan G or Plan N.
• Cigna Healthcare – Best Plan Pairing: Plan G.
• Humana – Best Plan Pairing: Plan N.
• Aetna (CVS Health) – Best Plan Pairing: Plan N.

What states have the worst Medicare Advantage plans?

States often cited for weaker Medicare Advantage performance include Louisiana, Mississippi, Kentucky, West Virginia, and Florida, due to challenges with care access, provider shortages, and quality issues like higher rates of avoidable hospitalizations and inappropriate medication prescriptions, though specific rankings vary by report and focus (e.g., satisfaction vs. overall system). Other states like New York, California, Texas, and Michigan appear on lists for low member satisfaction with specific plans, not necessarily the whole state's system. 

How to lower Medicare premiums?

To lower Medicare premiums, report income drops from life events like retirement (Form SSA-44), apply for low-income help like Extra Help or Medicaid, use HSA funds for premiums, deduct premiums from taxes, switch to a cheaper Medicare Advantage or Supplement plan, or check if you qualify for Medicare Savings Programs (MSPs) through your state. 

Does Medicare pay for a colonoscopy?

Yes, Medicare (Part B) pays for screening colonoscopies, covering 100% of costs if your doctor accepts assignment and no polyps are found, though you pay 15% if they remove tissue (making it diagnostic); frequency depends on your risk, generally every 10 years (average risk) or 24 months (high risk). 

Does Medicare pay 100% for anything?

No, Original Medicare (Part A & B) does not cover 100% of costs; it typically pays about 80% after deductibles, leaving you with 20% coinsurance for many services, plus gaps like dental, vision, and most drugs, requiring you to pay out-of-pocket or get supplemental coverage like Medicare Advantage (Part C) or Medigap. Some preventive services are covered at 100%, but most care has cost-sharing. 

What blood tests does Medicare not cover?

Medicare generally doesn't cover blood tests that aren't medically necessary, such as routine wellness panels, employment-required tests, elective tests for general curiosity, or experimental markers, though it does cover specific preventive screens (like PSA) and medically indicated diagnostic tests. You'll likely pay out-of-pocket for tests ordered without a specific diagnosis, tests done too frequently, or those for general "peace of mind," but your doctor should give you an Advance Beneficiary Notice (ABN) if a test isn't covered.