Why Are So Many People Confused About Medicare?
Let’s face it—Medicare is complicated. Between Medigap Plan G, Plan N, and the growing number of Medicare Advantage options, it’s no surprise that people feel overwhelmed. Every fall, ads flood TV screens promising “zero-dollar plans” or “extra benefits,” but the truth is often buried in the fine print.
That confusion is what gives rise to what many call “Medicare Liars.” These are not official titles, but a warning term for those who mislead seniors with incomplete or exaggerated information about what Medicare plans actually cover.
This article breaks down the real differences between Medicare Plan G, Plan N, and Medicare Advantage, so you can understand your options and make an informed decision—without the sales pitch.
What Does “Medicare Explained” Really Mean?
Medicare is divided into several parts:
- Part A: Hospital coverage
- Part B: Doctor and outpatient services
- Part C: Medicare Advantage (private plans that bundle A & B)
- Part D: Prescription drug coverage
- Medigap (Supplement Plans): Extra coverage that fills the gaps in Parts A and B
When people talk about “Medicare explained,” they usually mean understanding how these parts work together—and which one gives you the best balance of cost, coverage, and convenience.
What Makes Medigap Plan G So Popular?
Medicare Supplement Plan G is one of the most comprehensive Medigap options available. After you pay the annual Part B deductible, Plan G covers 100% of the remaining approved costs under Original Medicare.
That means:
- No hospital copays
- No coinsurance for doctor visits
- No surprise bills for approved services
For retirees who want predictable costs and nationwide coverage, Plan G offers peace of mind. It’s especially useful if you see multiple specialists or travel often because there are no network restrictions—you can see any doctor who accepts Medicare.
Plan G vs Plan N: What’s the Real Difference?
Both Plan G and Plan N are standardized by the federal government, meaning their basic benefits are identical regardless of which company sells them. The main differences are in cost-sharing and monthly premium:
- Plan G: Higher monthly premium, but almost no out-of-pocket bills.
- Plan N: Lower monthly premium, but you’ll pay small copays for office visits and ER trips that don’t lead to admission.
If you’re healthy and rarely see a doctor, Plan N could save you money. If you prefer predictable costs and don’t want to deal with bills later, Plan G may be the better fit.
Medicare Advantage (Part C) — Convenience With a Catch
Medicare Advantage plans are offered by private insurance companies approved by Medicare. They combine hospital, medical, and often prescription drug coverage (Part D) into one plan.
Some even include extra benefits such as:
- Dental and vision care
- Hearing aids
- Gym memberships or wellness programs
However, there are trade-offs. Advantage plans usually work within specific provider networks, and you may need prior authorization for some procedures. Out-of-network costs can add up quickly, so it’s essential to check which doctors and hospitals are included before enrolling.
The Truth About “Medicare Liars”
The term “Medicare Liars” has spread online because too many ads and agents overpromise and under-explain. They might say a plan offers “all-in-one” coverage without mentioning limited networks, copays, or changing drug lists.
At Medicare 365, our goal is education first. We believe every Medicare beneficiary deserves clear, honest information—not scare tactics or confusing jargon. That’s why we provide a free eBook called Medicare Without Confusion to help you understand every part of Medicare before making any decision.
What to Expect in 2026: Medicare Updates Ahead
The 2026 Medicare updates are expected to bring several important changes, including:
- Adjusted Part B premiums and deductibles
- Expanded drug price negotiations under new federal rules
- Modified supplemental plan regulations
- More competitive Medicare Advantage plans with new coverage tiers
Because of these changes, reviewing your plan during Medicare Open Enrollment 2026 is critical. A plan that worked in 2025 might not be the best fit in 2026—especially if your medications or doctors have changed.
Comparing Drug Coverage for 2026
Before renewing your coverage, take a few minutes to check your prescription benefits. Use trusted pharmacy resources to compare drug prices and Medicare Part D plans:
- Walgreens Medicare Prescription Portal: https://walgreens.rxsense.com/
- CVS Medicare Resources: https://www.cvshealth.com/services/health-insurance/medicare.html
- GoodRx Medicare Part D Savings: https://www.goodrx.com/insurance/medicare/prescription-drug-savings-while-on-medicare-part-d
These tools help ensure you’re paying the lowest possible price for your prescriptions and choosing the most efficient plan for your needs.
Final Thoughts
Choosing between Medicare Plan G, Plan N, and Medicare Advantage doesn’t have to be stressful. The key is understanding your medical needs, your travel habits, and how much flexibility you want in your coverage.
Don’t let misinformation guide your decisions. Educate yourself, review your options, and talk to a licensed Medicare professional if you need help.
