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Giardini Medicare

Medicare Shorts

Quick-hit lessons on the Medicare questions we hear most.

Pick a question below. Each one takes about 2 minutes and shows exactly where your money goes, with real numbers.

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Added protection plans

Why we suggest added protection plans, and how they work

Medicare and your Medigap plan pay the doctors and hospitals. Added protection plans pay you, so you can cover the costs that come with a big health event.

1

Something happens

A hospital stay, a heart attack or stroke, or a cancer diagnosis.

2

The plan pays you

A set amount, sent to you. Not to the hospital, and on top of what Medicare and Medigap pay.

3

You spend it your way

Your deductible, help at home, family travel, groceries. Anything you need.

Why we suggest them

  • They cover the deductible gap.HDG caps your Medicare-covered costs at $3,050 in 2027. A hospital check can cover a big chunk of that in a bad year.
  • Big diagnoses cost more than the medical bills.Help at home, family travel and time off work don’t show up on a Medicare statement.
  • The HDG savings help pay for them.In our age-65 example, HDG plus the hospital, heart attack and stroke, and cancer plans came in about $40 a month less than Plan G.
  • Have a Medicare Advantage plan? Add them too.Advantage plans have copays and a max out of pocket that can reach $9,850 a year (2027). A $15,000 lump sum covers two years of a $7,500 max. Get Advantage quotes at AdvantageCombo.com.
  • Get them before you need them.These plans ask health questions, most have waiting periods and pre-existing condition limits, and prices are lower the younger you are when you buy.
Hospital: $700 per night in the hospital, or $2,000+ per admissionHeart attack & stroke: $15,000Cancer: $15,000
See a real client story in

A real client, combo since 2025

Hospital planPay to the order of: YOU · 3 nights in the hospital$2,100
Heart attack & stroke planPay to the order of: YOU · first stroke, lump sum$10,000
Paid to her$12,100

Her plans were in place from 2025, before she needed them. Her medical bills stayed capped by her HDG deductible. She chose $10,000 for stroke; today we suggest $15,000. Benefit amounts depend on the plan and options chosen.

Short-term care

Everyone should look at short-term care

Medicare doesn’t pay for help with everyday things like bathing, dressing, cooking and rides to appointments. Short-term care pays you a daily benefit when you need that help.

⌂

Up to $2,100 a week at home

Hire an aide so you’re not leaning on family. The agency doesn’t have to be Medicare-approved, and family or friends who help can be paid part of it.

$

Up to $700 a day in a facility

Nursing home, assisted living or memory care, when you need more help than home can give.

1

Day-one coverage

The plans we suggest start paying right away, paid directly to you, on top of Medicare.

Get your short-term care price at IWantSTC.com

Side by side

Plan G, High Deductible G, or Plan N?

All three cover the same Medicare-approved care. The difference is what you pay up front, and what you pay along the way.

Compare Plan G High Deductible GHDG Plan N
You pay first The Part B deductible ($283 in 2026) Up to $3,050 for the year (2027) The Part B deductible ($283 in 2026)
After that $0 for covered care $0 for covered care Up to $20 per office visit, up to $50 per ER visit (waived if admitted)
Excess charges Covered Covered after the deductible Not covered (not common)
2026 median at age 65 About $158 a month About $48 a month Varies, usually between the two
Watch

Premiums shown are 2026 national median quotes for a 65-year-old, from our Medigap quote survey (updated 8/1/26, 47 states plus DC). Your rate depends on your age, location, tobacco use and health.

See your own numbers

Your age and ZIP code change everything. Get your quote for Plan G, High Deductible G, Plan N and added protection plans in one place.

Get your quote at comboquotes.com

Have a Medicare Advantage plan? Get added protection quotes at AdvantageCombo.com.

Giardini Medicare · Your transition to Medicare team · 248-871-7756 · info@gmedicareteam.com

Premiums and bill amounts in these videos are examples. Rate increases shown in the rate stability video are hypothetical and not a prediction of future rates. 2027 High Deductible Plan G deductible: $3,050 (CMS). Switching Medigap plans usually requires answering health questions. Hospital, cancer, and heart attack and stroke plans are limited benefit insurance. They are not Medicare or Medicare Supplement coverage, they pay benefits directly to you, and each has its own health questions, waiting periods and exclusions. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options. Giardini Medicare is not connected with or endorsed by the U.S. government or the federal Medicare program.


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