Your Part A is free, Part B is 189, And Cigna is supplemental.

Here's a breakdown of Medicare Part A and Part B costs for 2025, along with the common types of Medicare Supplement (Medigap) plans:

Medicare Part A Costs (Hospital Insurance) - 2025 Part A helps cover inpatient hospital stays, skilled nursing facility care, hospice care, and some home health care.

Premium: $0 for most people: This applies if you or your spouse worked and paid Medicare taxes for at least 10 years (40 quarters). $285 per month: If you worked and paid Medicare taxes for 30-39 quarters. $518 per month: If you worked and paid Medicare taxes for fewer than 30 quarters. Deductible: $1,676 per benefit period: You pay this amount before Medicare Part A starts to pay for hospital services. A benefit period begins the day you're admitted as an inpatient and ends when you haven't received inpatient hospital or skilled nursing facility care for 60 consecutive days. Coinsurance for Hospital Stays: Days 1-60: $0 after you pay your deductible. Days 61-90: $419 each day. Days 91-150: $838 each day (these are "lifetime reserve days," and you have 60 of them to use over your lifetime). Beyond day 150: You pay all costs. Skilled Nursing Facility (SNF) Coinsurance: Days 1-20: $0. Days 21-100: $209.50 each day. Beyond day 100: You pay all costs. Medicare Part B Costs (Medical Insurance) - 2025 Part B covers doctors' services, outpatient care, durable medical equipment, and many preventive services.

Standard Monthly Premium: $185.00 per month: This is the standard premium for most people. Income-Related Monthly Adjustment Amounts (IRMAA): If your modified adjusted gross income (MAGI) from your 2023 tax return exceeds certain thresholds, you'll pay a higher premium. The amount varies based on your income and tax filing status. For example: Individual income above $106,000 to $133,000 (or joint income above $212,000 to $266,000): Your Part B premium will be $259.00. Higher income tiers result in higher premiums, up to $628.90 for individuals with income $500,000 or above (or joint income $750,000 or above). Deductible: $257 per year: You pay this amount once each year before Medicare Part B starts to pay. Coinsurance: After you meet the Part B deductible, you typically pay 20% of the Medicare-approved amount for most doctor services, outpatient care, and durable medical equipment. Medicare Supplement (Medigap) Plan Types Medigap policies are sold by private companies to help pay for out-of-pocket costs that Original Medicare (Parts A and B) doesn't cover, such as deductibles, copayments, and coinsurance.

There are 10 standardized Medigap plans, identified by letters A, B, C, D, F, G, K, L, M, and N. Each plan offers a different set of benefits, although certain plans (C and F) are no longer available to those new to Medicare on or after January 1, 2020.

Here's a general overview of the common benefits covered by Medigap plans (though specific coverage varies by plan letter):

Part A Coinsurance and Hospital Costs: All Medigap plans cover 100% of Part A coinsurance and hospital costs for an additional 365 days after Medicare benefits are exhausted. Part B Coinsurance or Copayment: All Medigap plans cover at least a portion of Part B coinsurance or copayment. Some cover 100%, while others cover a percentage (e.g., Plans K and L). Blood (First 3 Pints): All Medigap plans cover the cost of the first 3 pints of blood needed for a transfusion. Part A Hospice Care Coinsurance or Copayment: All Medigap plans cover at least a portion of these costs. Skilled Nursing Facility (SNF) Care Coinsurance: Most Medigap plans cover these costs. Part A Deductible: Many Medigap plans cover the Part A deductible. Part B Deductible: Only Plans C and F (for those eligible before 2020) cover the Part B deductible. Part B Excess Charges: Some plans (F and G) cover excess charges, which are the difference between what a doctor or provider charges and the Medicare-approved amount, if the provider is allowed to charge more. Foreign Travel Emergency: Several plans (C, D, F, G, M, N) cover 80% of foreign travel emergency medical costs up to plan limits, after a deductible. Out-of-Pocket Limits: Plans K and L have out-of-pocket limits, after which the plan pays 100% of covered services for the rest of the year. Popular Plans:

Plan G: Has become very popular, especially for those new to Medicare, as it covers everything Plan F used to cover except for the Part B deductible. It also covers Part B excess charges. Plan N: Offers lower premiums but requires copayments for some office visits and emergency room visits, and does not cover Part B excess charges. Plan F (High Deductible Plan F): Still available to those eligible before 2020, this plan covers all gaps but has a high annual deductible you must meet before the plan starts paying. Plan A: The most basic Medigap plan, covering the essential gaps in Original Medicare. It's important to compare plans and premiums offered by different private insurers in your area, as costs can vary.