Important Changes to Medicare in 2020

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We understand the significance of staying informed about the latest updates and changes in Medicare. As trusted experts in the field, we strive to provide you with comprehensive and up-to-date information. In this article, we will explore the significant changes that occurred in Medicare in 2020. By delving into the details of these changes, we aim to equip you with the knowledge necessary to navigate the Medicare landscape effectively.

New Medicare Advantage Options

Medicare Advantage plans experienced notable changes in 2020, offering beneficiaries a wider array of options to meet their healthcare needs. These plans, also known as Medicare Part C, are provided by private insurance companies approved by Medicare. In 2020, several new Medicare Advantage plans were introduced, each with unique features and benefits.

  • Specialized Disease Management: Many Medicare Advantage plans now offer disease management programs tailored to specific health conditions, such as diabetes, heart disease, or cancer. These programs focus on providing personalized care and support to beneficiaries with these conditions, helping them better manage their health and improve their quality of life.
  • Expanded Telehealth Services: In response to the COVID-19 pandemic, Medicare expanded coverage for telehealth services in 2020. Medicare Advantage plans now offer more extensive telehealth options, allowing beneficiaries to receive virtual consultations, access online resources, and receive remote monitoring for certain conditions. This expansion has increased access to healthcare services, particularly for individuals in rural areas or with limited mobility.
  • Supplemental Benefits: Medicare Advantage plans have expanded their supplemental benefit offerings in 2020. These benefits go beyond the traditional Medicare coverage and include services such as vision, dental, hearing, and even fitness programs. These additional benefits provide beneficiaries with more comprehensive coverage and support for their overall well-being.

Changes to Medicare Part D

Medicare Part D, which covers prescription drugs, also experienced changes in 2020, aimed at improving affordability and access to medications for Medicare beneficiaries.

  • Closing the “Donut Hole”: The coverage gap, commonly known as the “donut hole,” has been gradually closing since the Affordable Care Act was passed in 2010. In 2020, Medicare beneficiaries who reached the coverage gap received a higher level of discounts on brand-name and generic drugs. This change helped reduce out-of-pocket costs for individuals who fall within this coverage gap.
  • Enhanced Access to Insulin: To address the rising costs of insulin, Medicare introduced the Part D Senior Savings Model in 2021. This model significantly reduces the out-of-pocket expenses for Medicare beneficiaries who require insulin. Under this program, beneficiaries can access a broad range of insulin products with a maximum copayment of $35 for a 30-day supply.

New Medicare Coverage Options

In 2020, Medicare introduced additional coverage options to meet the evolving healthcare needs of beneficiaries. These options provide enhanced benefits and choices for individuals seeking comprehensive coverage.

  • Medicare Supplement Plans: Also known as Medigap plans, Medicare Supplement plans offer additional coverage to fill the gaps in Original Medicare. In 2020, a new Medigap Plan G became available to beneficiaries who became eligible for Medicare on or after January 1, 2020. This plan offers comprehensive coverage, including the Part B deductible, excess charges, and skilled nursing facility coinsurance.
  • Medicare Medical Savings Account (MSA) Plans: Medicare MSA plans combine a high-deductible health plan with a medical savings account. In 2020, new MSA plans were introduced, providing beneficiaries with greater flexibility and control over their healthcare spending. These plans often have lower premiums and allow individuals to use the funds from the medical savings account to pay for qualified medical expenses.


In conclusion, 2020 brought significant changes to Medicare, enhancing the options and benefits available to beneficiaries. The expansion of Medicare Advantage plans, improvements to Medicare Part D coverage, and the introduction of new coverage options all aim to provide beneficiaries with greater access to quality healthcare.

By staying informed about these changes, you can make informed decisions regarding your Medicare coverage and ensure that you have the most suitable plan to meet your healthcare needs.


  • Medicare Advantage plans introduced specialized disease management, expanded telehealth services, and supplemental benefits.
  • Changes to Medicare Part D included the closing of the coverage gap and enhanced access to affordable insulin.
  • New coverage options such as Medigap Plan G and Medicare MSA plans were introduced in 2020.

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