Summer on a Skewer: Grilled Vegetable Medley Recipe
This Grilled Summer Vegetable Medley recipe celebrates summer’s bounty, offering a simple yet delightful way to enjoy a variety of seasonal favorites. From zucchini and peppers to mushrooms and onions, this dish bursts with color, flavor, and a delightful smoky char from the grill.
Grilling is a great way to enhance the natural sweetness of summer garden vegetables. For best results, cut all vegetables to a uniform thickness before grilling.
Table of Contents
Prep time: 15 minutes Cook time: 10-14 minutes
Serves: 4-6
Compound Butter Ingredients:
¼ c. unsalted butter, room temperature 2 t. fresh thyme leaves, stems removed
Pinch of sea salt
Remaining Ingredients:
Olive oil or non-stick cooking spray for the grill 3 T. extra virgin olive oil
1 medium red onion, cut into ½-inch thick half rounds 3 red bell peppers, core removed and cut into 4 equal-sized flat pieces
3 small zucchini, cut in half lengthwise
3 small yellow squash, cut in half lengthwise
1 T. black Hawaiian salt
Directions:
Add butter, thyme, and salt to a small bowl. Combine thoroughly with a fork and transfer to a sheet of wax paper. Shape it into a log and roll it in wax paper before placing it in the refrigerator to firm it up.
Prepare the grill by brushing the grates with a wire brush and lightly coating them with oil or non-stick cooking spray. Then, preheat the grill to medium.
Brush both sides of the vegetables with the extra virgin olive oil. Place the onion and bell pepper on the preheated grill and cook for 5-6 minutes before turning.
Continue grilling the onion and pepper for another 2-3 minutes before
This Grilled Summer Vegetable Medley is a versatile recipe that can be enjoyed countless times. Skewer them for a fun and interactive presentation, serve them over a bed of rice or quinoa for a satisfying meal, or toss them into a summer salad for a fresh flavor. With minimal prep work and endless possibilities, this recipe will become a summertime staple.
Short answer: It depends. Original Medicare gives you freedom, and Medigap fills your gaps. Medicare Advantage bundles everything with extra perks but comes with network restrictions. Here’s how to decide.
Choosing between Original Medicare and Medicare Advantage is one of the most important healthcare decisions you’ll make—and it’s not a one-size-fits-all answer. Both paths cover the same core Medicare benefits, but they work very differently in practice.
This guide lays out everything side by side — coverage, costs, provider access, extra benefits, and the real trade-offs — so you can make a confident, informed decision.
■ Original Medicare
Parts A + B (federal program)
Any Medicare provider nationwide
No referrals needed
Add Medigap for gap coverage
Add Part D for drugs
No built-in out-of-pocket cap
◆ Medicare Advantage
Part C (bundled private plans)
Network-restricted (HMO/PPO)
Referrals may be required
Often includes drug coverage
Often includes dental, vision
Built-in out-of-pocket cap
What Is Original Medicare?
Original Medicare is the traditional federal Medicare program, consisting of:
Part A (Hospital Insurance): Covers inpatient hospital stays, skilled nursing facility care, hospice, and some home health care.
Part B (Medical Insurance): Covers outpatient care, doctor visits, preventive services, durable medical equipment, and some home health services.
Original Medicare does not include prescription drug coverage (you add Part D separately) and does not cover dental, vision, or hearing. That’s where Medigap and Part D come in.
What Is Medicare Advantage?
Medicare Advantage (Part C) plans are offered by private insurance companies approved by Medicare. When you join a Medicare Advantage plan:
You still have Medicare—the Advantage plan administers your benefits
Your Parts A and B are combined into one plan
Most plans include Part D drug coverage
Many plans include dental, vision, and hearing benefits
All plans have an annual out-of-pocket maximum
Important: Medicare Advantage is not a separate thing from Medicare—it’s a different way of receiving your Medicare benefits through a private insurer rather than the federal government.
Side-by-Side: Key Differences
Feature
Original Medicare
Medicare Advantage
Who administers it
Federal government
Private insurance companies
Provider network
Any provider who accepts Medicare (nationwide)
HMO or PPO network (usually local/regional)
Referrals needed
No
Often yes (HMO); sometimes no (PPO)
Part D drug coverage
No—purchase separately
Usually included
Dental / Vision / Hearing
Not covered
Often included (varies by plan)
Out-of-pocket cap
No cap (add Medigap for protection)
Yes, required by law
Medigap compatibility
Yes—pairs well
Cannot use Medigap
Monthly premium
Part B premium + optional Medigap + Part D
Often $0 beyond Part B (but copays apply)
Geographic flexibility
Use anywhere in the U.S.
Usually restricted to plan service area
Switching flexibility
Can switch plans during AEP
Can switch plans during AEP; limited mid-year options
Provider Access: The Biggest Practical Difference
One of the most important differences between these two paths is who you can see for care.
Original Medicare: See Anyone Nationwide
With Original Medicare, you can visit any doctor, specialist, or hospital in the United States that accepts Medicare — that’s about 93% of providers nationwide. No referrals needed. No network to worry about. No permission slips.
This is especially valuable if:
You travel frequently or split time between states
You have complex conditions and want to see specialists at top institutions
You have a long-standing relationship with doctors who don’t participate in any specific plan network
Medicare Advantage: Network Restrictions Apply
Most Medicare Advantage plans use a provider network. Going out of network typically means higher out-of-pocket costs, and some services may not be covered at all outside the network.
There are two main plan types:
HMO (Health Maintenance Organization): Lowest cost when you stay in-network. Requires a primary care physician (PCP) and referrals to see specialists. Out-of-network care generally not covered except in emergencies.
PPO (Preferred Provider Organization): More flexibility — you can see out-of-network providers, but it costs more. Referrals not required for specialists in most cases.
Special Needs Plans (SNPs): Designed for people with specific diseases or circumstances (e.g., diabetes, chronic illness, or dual eligibility for Medicaid).
Costs: What You Actually Pay
Original Medicare Costs
Part A premium: Usually $0 if you or your spouse paid Medicare taxes for 40+ quarters. Otherwise, up to $505/month (2024).
Part B premium: $174.70/month (2024, income-adjusted at higher tiers).
Part B deductible: $240 per year (2024).
Part B coinsurance: 20% of Medicare-approved amounts — with no annual cap.
This is where Medigap becomes essential. A Medigap policy (see our Medigap plans guide) covers your 20% coinsurance and other gaps, turning your open-ended costs into predictable ones.
Medicare Advantage Costs
Part A and B premiums: You still pay your Part B premium ($174.70/month in 2024).
Plan premium: Many Medicare Advantage plans have a $0 monthly premium—the plan is subsidized by Medicare. Others charge $20–$100+ per month.
Copays and coinsurance: You’ll pay copays for doctor visits, specialist visits, hospital stays, and other services—these are built into the plan design.
Out-of-pocket maximum: The plan caps your total annual spending. In 2024, the maximum is $8,850 for in-network services (some plans are lower).
Watch out: A $0 premium Medicare Advantage plan doesn’t mean $0 cost for care. Copays for each visit, procedure, and hospital day add up—especially if you’re managing a chronic condition or have frequent appointments.
Extra Benefits: Where Medicare Advantage Shines
One of the main draws of Medicare Advantage is the bundle of extra benefits that Original Medicare simply doesn’t offer:
Extra Benefit
Original Medicare
Medicare Advantage
Dental cleanings and exams
Not covered
Often included
Vision exams and glasses/contacts
Not covered
Often included
Hearing aids
Not covered
Often included
Fitness / gym memberships
Not covered
Often included (e.g., SilverSneakers)
Over-the-counter (OTC) allowances
Not covered
Often included
Transportation to appointments
Not covered
Some plans offer
Meal delivery post-hospital
Not covered
Some plans offer
These benefits vary widely by plan and by region — not every Medicare Advantage plan includes all of the above, and the quality/coverage amount varies. Always read the Evidence of Coverage (EOC) document before enrolling.
Prescription Drug Coverage
Original Medicare: Does not include drug coverage. You must purchase a separate Medicare Part D plan (an additional monthly premium) to cover prescription medications.
Medicare Advantage: Most plans (about 90%) include built-in Part D drug coverage as part of the bundle. This simplifies things — one plan, one card, one monthly premium for both medical and drug coverage.
Tip: If you take regular medications, always check the plan’s drug formulary (list of covered drugs) before enrolling in any Medicare Advantage plan—each plan covers different medications at different prices.
Which Should You Choose? A Decision Framework
Choose Original Medicare + Medigap if:
Your doctors, your choice You want to see any Medicare provider without network restrictions or referrals, especially if you travel, live in multiple states, or have established specialist relationships.
Predictable costs You want to know your maximum annual exposure and avoid surprise copays. With Plan G Medigap coverage, your only annual gap is the Part B deductible.
Chronic condition or frequent care You have ongoing medical needs, see multiple specialists, or anticipate frequent hospitalizations. Without a cap, the 20% coinsurance under Original Medicare can be significant—Medigap protects you completely.
You want the broadest coverage You want full flexibility to see any provider and a comprehensive gap-fill policy, and you’re willing to manage separate Part D and Medigap plans.
Choose Medicare Advantage if:
You’re generally healthy You don’t expect frequent doctor visits and prefer a low or $0 monthly premium with copays only when you use services.
You want bundled extras Dental, vision, hearing, gym membership, and OTC allowances are important to you — and many MA plans include these at no extra cost.
You’re okay with a network Your doctors and preferred hospitals are in the plan’s network, and you’re comfortable getting referrals for specialist care.
You want simplicity One plan, one card, one premium (often $0 beyond Part B) that bundles medical and drug coverage — appealing if you want less administrative complexity.
When Can You Switch Between Them?
You can move between Original Medicare and Medicare Advantage at specific times:
Initial Enrollment Period (IEP): When you first become eligible for Medicare (3 months before to 3 months after your 65th birthday month).
Annual Election Period (AEP): October 15 – December 7 each year. You can switch from Original Medicare to Medicare Advantage (or vice versa), or switch between Medicare Advantage plans.
Medicare Advantage Open Enrollment: January 1 – March 31 each year. If you’re already in a Medicare Advantage plan, you can switch to a different one or drop it and return to Original Medicare.
Special Enrollment Periods (SEPs): Qualifying life events (moving, losing coverage, gaining Medicaid eligibility, etc.) may trigger a special window to switch.
Important warning about switching to Medigap: If you switch from Medicare Advantage back to Original Medicare, you may not be able to buy a Medigap policy at standard rates — insurers can use medical underwriting to deny you or charge more based on your health. This is why many financial advisors recommend enrolling in Medigap during your initial enrollment period when you’re first eligible.
Frequently Asked Questions
What is the difference between Original Medicare and Medicare Advantage?
Original Medicare (Parts A and B) is the federal government program covering hospital and outpatient care. Medicare Advantage (Part C) is an alternative offered by private insurers that bundles A, B, and usually D into one plan, often with extra benefits like dental, vision, and hearing.
Can I see any doctor with Original Medicare?
Yes. Original Medicare lets you see any doctor, specialist, or hospital in the U.S. that accepts Medicare — no referrals needed and no network restrictions.
Can I see any doctor with Medicare Advantage?
Usually no. Most Medicare Advantage plans are HMOs (requiring in-network providers) or PPOs (lower costs in-network, higher costs out-of-network). You may also need referrals to see specialists depending on the plan type.
Does Medicare Advantage have an out-of-pocket cap?
Yes. Medicare Advantage plans are required by law to have an annual out-of-pocket maximum. Original Medicare does not have an out-of-pocket cap — your 20% coinsurance can accumulate without limit, which is why many beneficiaries add Medigap.
Does Medicare Advantage cover dental, vision, and hearing?
Often yes — but it’s not required. Many Medicare Advantage plans include dental, vision, hearing, gym memberships, and other benefits that Original Medicare doesn’t cover. Coverage and allowance amounts vary by plan.
Do I need a Medigap plan with Medicare Advantage?
No. You cannot have both Medicare Advantage and Medigap at the same time. You must choose one path. If you choose Original Medicare, Medigap is highly recommended to cover your 20% coinsurance.
When can I switch from Original Medicare to Medicare Advantage (or vice versa)?
You can switch during the Annual Election Period (October 15 – December 7) each year. If you’re already in a Medicare Advantage plan, you can also switch plans during the Medicare Advantage Open Enrollment Period (January 1 – March 31). Special Enrollment Periods may apply in certain circumstances.
Which is cheaper: Original Medicare or Medicare Advantage?
It depends. Medicare Advantage plans often have $0 monthly premiums beyond Part B, but copays can add up with frequent care. Original Medicare gives you more predictable coverage with Medigap but requires paying both a Part B premium and a Medigap premium. Neither is universally cheaper—it depends on your health needs and how often you use care.
Key Takeaways
Original Medicare gives you freedom to see any Medicare provider nationwide; Medicare Advantage restricts you to a network.
Medicare Advantage includes an annual out-of-pocket cap; Original Medicare does not—which is why Medigap is recommended if you go the Original Medicare route.
Medicare Advantage often bundles dental, vision, hearing, and gym benefits that Original Medicare doesn’t cover.
Most Medicare Advantage plans include Part D drug coverage; with Original Medicare you buy a separate Part D plan.
You cannot have both Medigap and Medicare Advantage — you must choose one path.
The best time to lock in Medigap coverage is during your initial enrollment period — after that, medical underwriting may apply.
Switching between paths is possible during the Annual Election Period (Oct 15–Dec 7), but switching back to Medigap may come with health-based pricing.
Bottom Line
There is no universally “better” choice between Original Medicare and Medicare Advantage—the right answer depends on your health, your doctors, your budget, and how much flexibility you want.
Choose Original Medicare + Medigap if you value provider freedom, predictable long-term costs, and maximum coverage. The combination of Original Medicare plus Plan G or Plan N Medigap is widely considered the most complete protection available.
Choose Medicare Advantage if you’re healthy, want bundled extra benefits, are comfortable with a network, and prefer simplicity. Just be sure to review copay schedules and the drug formulary carefully before you enroll.
Ready to Dig Deeper?
Explore our related guides to make the most informed decision.
Short answer: Most Medigap plans cover your 20% Medicare Part B coinsurance — but not all plans are created equal. Here’s what you need to know before you buy.
Original Medicare covers 80% of your outpatient and preventive care costs — but that remaining 20% coinsurance can add up fast, especially if you have frequent doctor visits, specialist appointments, or ongoing treatments. There’s no annual cap on that 20%, which means your out-of-pocket costs have no ceiling under Original Medicare alone.
That’s where Medigap (Medicare Supplement Insurance) comes in. Medigap plans are sold by private insurers and are designed to fill the “gaps” that Original Medicare doesn’t cover—including that dreaded 20% coinsurance.
This guide walks you through which Medigap plans cover your 20% coinsurance, how they work, what they cost, and how to choose the right one for your situation.
What Is the Medicare Part B 20% Coinsurance?
Every time you visit a doctor, see a specialist, get lab work, or receive outpatient care under Medicare Part B, Medicare pays 80% of its approved amount. You’re responsible for the remaining 20%—with no limit on how much that adds up to over a year.
Examples of services subject to the 20% Part B coinsurance:
Primary care and specialist office visits
Outpatient surgery
Durable medical equipment (DME)
Diagnostic tests and lab work
Mental health services
Ambulance services (in some cases)
Physical therapy and rehabilitation
If you have frequent medical needs, that 20% can become a significant financial burden. Medigap is specifically designed to protect you from these open-ended costs.
Which Medigap Plans Cover the 20% Coinsurance?
Medigap plans are labeled by letters: A, B, C, D, F, G, K, L, M, and N. Not all plans are available in every state, and each covers a different set of gaps. Here’s how they break down when it comes to your Part B coinsurance:
Plans That Cover the Part B 20% Coinsurance in Full
Plan
Part B Coinsurance Coverage
Part B Excess Charges
Notable Features
Plan A
Yes—100%
No
Most basic plan; required to be offered by all insurers
Plan B
Yes—100%
No
Similar to A, adds Part A deductible coverage
Plan C
Yes—100%
No
Comprehensive but no longer available to new Medicare beneficiaries (effective Jan 1, 2020)
Plan D
Yes—100%
No
Covers most gaps; doesn’t cover Part B excess
Plan F
Yes—100%
Yes—100%
Most comprehensive; no longer available to new Medicare beneficiaries (effective Jan 1, 2020)
Plan G
Yes—100%
Yes—100%
Most popular plan for new beneficiaries; covers everything except the Part B deductible
Plan N
Yes—100% (except for a $20 copay for office visits and $50 for the ER).
No
Lower premium option with some cost-sharing
Plans That Cover Only a Portion of the 20% Coinsurance
Plan
Part B Coinsurance Coverage
Other Notes
Plan K
50% of Part B coinsurance
Lower premium; higher out-of-pocket limit ($7,060 in 2024)
Plan L
75% of Part B coinsurance
Mid-range premium and out-of-pocket limit ($3,530 in 2024)
Note: Plans C and F are no longer available to Medicare beneficiaries who became eligible for Medicare on or after January 1, 2020. If you were eligible before that date, you may still be able to purchase them. Plan G is widely considered the best alternative for new beneficiaries seeking comprehensive coverage.
Plan G: The Most Popular Choice for Covering the 20% Coinsurance
Medigap Plan G has become the go-to plan for Medicare beneficiaries who want:
100% coverage of the Part B 20% coinsurance
100% coverage of Part B excess charges (if your provider doesn’t accept Medicare assignment)
Coverage for Part A hospital deductible
Coverage for skilled nursing facility care coinsurance
Coverage for foreign travel emergency care (up to plan limits)
The only gap Plan G doesn’t cover is the Part B annual deductible (which is $240 in 2024 and changes annually). This makes it easy to predict your costs: you pay the deductible once per year, and then Medigap Plan G covers everything else Medicare doesn’t.
Plan N: A Lower-Premium Alternative
Medigap Plan N covers the Part B 20% coinsurance but includes some cost-sharing to keep monthly premiums lower:
Office visits: $20 copay (waived if admitted to the hospital)
Emergency room visits: $50 copay (waived if admitted as inpatient)
Part B excess charges: NOT covered—if you see a provider who doesn’t accept Medicare assignment, you pay those charges yourself
Plan N is a good fit for healthy beneficiaries who don’t expect frequent doctor visits and want to keep monthly premiums affordable while still protecting against the big 20% bills.
Comparing Medigap Plans: Quick Reference
Medigap Benefit
A
B
D
G
K
L
N
Part B Coinsurance (20%)
✔
✔
✔
✔
50%
75%
✔*
Part A Hospital Coinsurance
✔
✔
✔
✔
50%
75%
✔
Part A Deductible
No
✔
✔
✔
50%
75%
✔
Skilled Nursing Coinsurance
No
No
✔
✔
50%
75%
✔
Part B Excess Charges
No
No
No
✔
No
No
No
Foreign Travel Emergency
No
No
✔
✔
No
No
✔
Out-of-Pocket Limit
No
No
No
No
$7,060
$3,530
No
*Plan N covers Part B coinsurance except for a $20 office visit copay and a $50 ER copay.
How Much Do Medigap Plans That Cover the 20% Coinsurance Cost?
Medigap premiums vary widely based on several factors:
Age: Most plans use age-based pricing (younger = lower premium)
Location: Premiums differ significantly by state and ZIP code
Gender and tobacco use: Can affect pricing
Carrier: Different insurance companies charge different rates for identical coverage
As a general estimate (for a 65-year-old non-tobacco user in a mid-range area):
Plan
Estimated Monthly Premium Range
Plan A
$100 – $250
Plan B
$130 – $300
Plan G
$150 – $400
Plan N
$100 – $300
Plan K (50% coverage)
$70 – $180
Plan L (75% coverage)
$90 – $220
Important: These are estimates. Always get a personalized quote for your specific location and circumstances. Also note that Plan G and Plan N premiums are typically lower than Plan F because they don’t cover the Part B deductible — but they still cover the 20% coinsurance in full.
How to Choose the Right Medigap Plan
Ask yourself these questions:
How often do you see doctors or specialists? If you have frequent appointments, covering the 20% in full (Plan G) saves you the most money long-term.
Do you travel internationally? Plans G, D, and N include foreign travel emergency coverage—Plans A and B do not.
Do your doctors accept Medicare assignment? If you see providers who don’t, Plan G’s coverage of Part B excess charges is valuable protection.
Are you healthy with few expected medical visits? Plan N’s lower premium with some cost-sharing might make sense if you rarely need care.
Do you want an out-of-pocket cap? Plans K and L have annual out-of-pocket limits (unlike A, B, G, N), which can be reassuring if you want maximum predictability.
When Can You Buy a Medigap Plan?
The best time to buy a Medigap plan is during your Medigap Open Enrollment Period — the 6-month window that starts the month you turn 65 and are enrolled in Medicare Part B. During this period:
Insurance companies cannot deny you coverage or charge you more due to pre-existing conditions
You have access to any plan available in your area
You can switch plans later, but you may face medical underwriting
Outside of open enrollment, you may still be able to buy a Medigap plan, but insurers can charge higher premiums or deny coverage based on your health. Some states have additional protections — check with your state’s insurance department.
Can You Have Both Medicare Advantage and Medigap?
No. You cannot have both a Medicare Advantage plan and a Medigap policy at the same time. You must choose one:
Original Medicare + Medigap: You have more freedom to see any Medicare provider; Medigap covers your gaps
Medicare Advantage: An all-in-one alternative with network restrictions but often lower overall costs
If you have Medicare Advantage and want to switch to Original Medicare + Medigap, you can do so during certain enrollment periods.
Key Takeaways
Most Medigap plans — A, B, D, G, and N — cover the Part B 20% coinsurance in full.
Plan G is the most popular comprehensive plan for new beneficiaries, covering everything except the Part B deductible.
Plan N is a budget-friendly option with the same 20% coverage but some office visit copays.
Plans C and F (most comprehensive) are no longer available to beneficiaries who became eligible after January 1, 2020.
Your best window to buy is during your Medigap Open Enrollment Period — don’t miss it.
Premiums vary by age, location, and carrier — shop around before committing.
Bottom Line
Medigap plans are one of the most effective ways to protect yourself from the open-ended 20% Part B coinsurance that comes with Original Medicare. Plan G offers the most comprehensive coverage for most beneficiaries, while Plan N is a solid lower-premium alternative if you’re willing to absorb small copays for office and ER visits.
The most important thing you can do is enroll during your open enrollment window when you first become eligible — that’s when you have the most plan choices and the best rates, guaranteed.
Next step: Contact a licensed Medigap agent or use Medicare’s online plan comparison tool to get quotes for plans available in your area. Compare at least 3 carriers before making a decision—the same coverage can vary by hundreds of dollars per month.
Handling erectile dysfunction requires knowing your options for coverage. This guide is designed to answer the question, “Does Medicare Cover Viagra?”
Today, about 30 million men deal with erectile dysfunction, which is a severe consequence for adult men who want to live healthy and happy lives.
For this reason, so many men turn to solutions that will help them turn their sex lives around. Viagra took the world by storm when it came out in 1998. It’s still one of the most popular medications on the planet.
Since 22% of Viagra users are in their 60s, it makes sense that Medicare recipients might want to explore their options when shopping for this erectile dysfunction treatment.
So does Medicare cover Viagra?
Read on to learn more about Medicare, if it helps with erectile dysfunction solutions, and how you can weigh your options for coverage.
Does Medicare Cover Viagra?
Medicare recipients will have to look elsewhere to pay for their Viagra. Medicare plans, by and large, don’t cover Viagra prescriptions.
However, you may be able to get a generic version depending on your particular plan. Consult your Medicare Part D plan to see if your formulary includes sildenafil, the generic version of Viagra.
What are the Benefits of Viagra?
It pays to get to know the benefits of Viagra so you can add it to your life in a way that makes sense for you.
When you’re able to enjoy stiffer, firmer erections promptly, you’ll perform better in bed and can improve all of your romantic relationships, which bodes well for your psyche and confidence.
Your bloodstream will get more nitric oxide (NO2), improving the blood flow to your penis during sex.
What are my Options for Coverage?
If Medicare is still an option for you, make sure that you research the best plans available and compare prices.
Get to know the differences between Medicare Part A and Medicare Part B. You get inpatient coverage with Part A, while Part B addresses outpatient care.
You should know that Medicare Part C comes with certain contingencies, while Part D covers prescription drugs.
How Can I Weigh My Erectile Dysfunction Solutions?
You can do several things in addition to or outside of Viagra for your erectile dysfunction.
You can use cayenne pepper to help with erectile dysfunction. This supplement dilates your blood vessels to get more circulation to your penis, leading to harder, firmer erections.
Staying hydrated will help your body’s circulatory system, nervous system, and hormone production to improve your erections, sexual sensations, and libido. Above all, get lots of exercises to improve blood flow in your body.
Get the Erectile Dysfunction Treatment That You Need
So does Medicare cover Viagra? These tips explain this in detail and can help determine how you want to proceed.
If you’re dealing with erectile dysfunction, don’t just suffer in silence—get the care you need. Leave no stone unturned when exploring your medical coverage options.
Yes — but only one specific service. Medicare Part B covers chiropractic manipulation of the spine when medically necessary to treat a subluxation. That is the entirety of what Medicare covers in a chiropractor’s office. X-rays, diagnostic testing, massage, physical therapy, and any other services are explicitly excluded — even when performed in the same visit.
Millions of Medicare beneficiaries see chiropractors regularly for back and neck pain relief. Understanding precisely what Medicare will and won’t pay for — before you hand over your Medicare card — prevents frustrating surprise bills. The coverage is narrower than most patients expect.
What Is Subluxation — and Why Does It Matter for Coverage?
Subluxation is the medical term for a partial dislocation or misalignment of one or more vertebrae in the spine that causes neurological interference. Medicare’s entire chiropractic coverage is built around this single concept. To qualify for covered chiropractic care, your chiropractor must:
Diagnose a subluxation of the spine through physical examination
Document the location of the subluxation (cervical, thoracic, or lumbar spine)
Perform manual manipulation to correct the subluxation
Document the patient’s response to treatment
Chiropractic care for general wellness, muscle soreness, joint pain in the extremities (shoulders, knees, hips), or conditions that don’t involve spinal subluxation is not covered by Medicare — regardless of how beneficial that care might be.
Exactly What Medicare Covers vs. Does Not Cover at a Chiropractor
Physical therapy performed in a chiropractic office
Not covered
Electrical stimulation (TENS, ultrasound)
Not covered when billed by a chiropractor
Nutritional supplements or orthotics
Not covered
Maintenance chiropractic (to maintain current condition)
Not covered — only active treatment for subluxation
Chiropractic adjustment of extremities (knee, shoulder, etc.)
Not covered
The maintenance exclusion catches many patients off guard. Medicare covers chiropractic care only for active treatment—when the goal is to improve your condition. Once your subluxation has been treated and additional visits are only maintaining your current level of function (rather than producing further improvement), Medicare considers the care “maintenance” and stops covering it. If your chiropractor continues billing Medicare for maintenance visits, you may receive a bill retroactively.
How to Protect Yourself: The Advance Beneficiary Notice (ABN)
If your chiropractor believes that upcoming care may not be covered by Medicare—either because it is maintenance care or because coverage is otherwise uncertain—they are required to give you a written Advance Beneficiary Notice of Noncoverage (ABN) before providing the service.
The ABN explains why Medicare may not pay and gives you options:
Option 1: Receive the service knowing you may have to pay and want Medicare to decide. The chiropractor will submit the claim, and Medicare will make the coverage determination.
Option 2: Receive the service, accept that you will pay personally, and ask the chiropractor not to submit a claim to Medicare.
Option 3: Decline the service.
If a chiropractor provides a service they know won’t be covered without giving you an ABN first, they cannot legally bill you for it. Always ask your chiropractor at the start of treatment whether all recommended services will be billed to Medicare or whether some are expected to be non-covered.
Is There a Limit on How Many Chiropractic Visits Medicare Covers?
There is no fixed annual limit on the number of chiropractic visits Medicare will cover. Medicare will continue covering spinal manipulation visits as long as:
Your chiropractor documents an active subluxation requiring treatment
The treatment is producing measurable clinical improvement
The care has not transitioned to maintenance-only status
In practice, most Medicare-covered chiropractic courses of treatment run 6–12 visits before the condition stabilizes. At that point, additional visits are likely to be characterized as maintenance and become your financial responsibility.
What You Pay for Chiropractic Under Medicare in 2026
When a chiropractic adjustment is covered, standard Part B cost-sharing applies:
You meet your $283 annual Part B deductible (if not yet met for the year)
Medicare pays 80% of the Medicare-approved amount for the spinal manipulation
You pay 20% coinsurance
Medicare’s approved amount for chiropractic spinal manipulation is typically $35–$70 per visit depending on the region and the complexity of the manipulation (one region vs. multiple spinal regions). Your 20% coinsurance would be approximately $7–$14 per covered visit.
Remember: any non-covered services (X-rays, massage, ultrasound, and supplements) are billed entirely out of pocket at the chiropractor’s private rates, which have nothing to do with the Medicare-approved amount.
Before your first visit: Ask the chiropractor’s office to confirm (1) they accept Medicare assignment, (2) exactly which services they will bill to Medicare, and (3) what their private-pay rates are for any services Medicare doesn’t cover. Getting this in writing before treatment begins prevents billing disputes later.
Does Medicare Advantage Cover More Chiropractic Services?
Sometimes, but not always. Medicare Advantage plans must cover the same chiropractic benefit as Original Medicare — spinal manipulation for subluxation. Some Advantage plans add expanded chiropractic benefits as a supplemental offering, which may include a set number of visits for general musculoskeletal care or coverage for some ancillary services. Check your plan’s Summary of Benefits for your specific chiropractic coverage.
Frequently Asked Questions
Does Medicare cover chiropractic care for neck pain?
Yes—if the neck pain is caused by a diagnosed cervical subluxation and the treatment is active chiropractic manipulation. The cervical spine is one of the three spinal regions (cervical, thoracic, and lumbar) covered under Medicare’s subluxation policy. General neck tension, myofascial pain without subluxation, or maintenance visits for neck pain are not covered.
Can I see a chiropractor and a physical therapist for the same condition?
Yes. Medicare covers both chiropractic manipulation (Part B) and physical therapy (Part B) as separate services. They can be ordered for the same underlying condition. However, they cannot be billed on the same date of service for the same procedure without specific documentation showing they addressed distinct issues.
Does Medicare cover chiropractic care for scoliosis?
If a patient with scoliosis also has subluxations that require active manipulation, Medicare may cover those specific chiropractic visits. Scoliosis alone is not a qualifying condition; the subluxation diagnosis and documentation are still required.
What if my chiropractor doesn’t accept Medicare?
Some chiropractors opt out of Medicare entirely and charge their own rates. If you see a non-Medicare provider, Medicare will not reimburse any portion of the cost. If your chiropractor accepts Medicare but does not accept assignment, they can charge up to 115% of the Medicare-approved rate — meaning you pay the 20% coinsurance plus up to 15% above the approved amount.
This article is for informational purposes only. Medicare chiropractic coverage rules are governed by CMS national and local coverage determinations. Your Medicare Administrative Contractor (MAC) may have additional local policies. Verify at Medicare.gov or call 1-800-MEDICARE.
Indulge in the flavors of Greece with this refreshing and hearty farm-fresh Greek steak salad. Packed with crisp vegetables, tangy feta cheese, and succulent grilled steak, this dish blends Mediterranean flavors and wholesome ingredients perfectly.
Prep time: 10 minutes (+ time to marinate)
Cook time: 15-20 minutes*
Serves: 4-6
*Please note that the actual cook time will vary depending on several factors, including the beef’s starting temperature, thickness, desired level of doneness, and individual oven differences.
Allow the meat to rest at room temperature for 30 minutes before cooking for the best results.
Dressing Ingredients:
¼ c. balsamic vinegar
½ c. extra virgin olive oil
1 t. fresh lemon juice
1 t. Dijon mustard
2 t. Italian seasoning
Sea salt and black pepper, to taste
Salad Ingredients:
1 lbs. Strip steak, approximately 1½” thick
One T. extra virgin olive oil
1 large avocado, chopped
One t. fresh lemon juice
Four c. mixed salad greens (or other lettuce of choice)
1 English cucumber, chopped
One c. grape or cherry tomatoes, cut in half
½ medium red onion, thinly sliced
½ c. Kalamata olives, sliced
½ c. Feta cheese, crumbled
Directions:
Combine the balsamic vinegar, olive oil, lemon juice, and Italian seasoning in a medium bowl. Season with salt and black pepper to taste, and whisk to combine. Set aside.
Add the steak to a large, sealable freezer bag. Pour half of the balsamic dressing on top and seal tightly. Gently turn the bag to ensure the steak is thoroughly coated in the marinade. Marinate the steak for at least 30 minutes at room temperature (but not more than 2 hours) or place it in the refrigerator overnight. Transfer the remaining half of the dressing to an airtight container and set aside until ready.
When preparing the salad, place the top oven rack in the center position and preheat the oven to 400°F.
Turn the exhaust fan to the highest setting and heat olive oil in a large oven-safe skillet over high heat. Remove the steak from the marinade and discard the bag. Add the steak to the hot skillet and sear on all sides, approximately 2 minutes per side.
Transfer the skillet to the preheated oven and roast the steak to the desired level of doneness, approximately 8 minutes for medium-rare.
Use an instant-read thermometer to check for doneness. When removed from the oven, the steak should be 5-10°F below the desired temperature (e.g., 135°F for medium-rare). The internal temperature will continue to rise while resting.
Remove the steak from the oven and transfer it to a plate. Cover loosely and set aside to rest for 5-10 minutes.
Meanwhile, toss the freshly chopped avocado with the lemon juice to prevent browning. Set aside. Layer the mixed salad greens, cucumber, tomatoes, red onion, olives, and avocado on a large serving platter and season with salt and black pepper to taste. Once the steak is rested, slice it into thin strips and place it on the salad. Top with crumbled Feta cheese and serve immediately with the remaining balsamic dressing on the side. Enjoy!
This farm-fresh Greek steak salad is more than just a meal; it’s an experience. Combining fresh produce, tangy feta, and juicy steak creates a symphony of flavors that will leave you craving more. So, gather your favorite ingredients, fire up the grill, and enjoy a taste of the Mediterranean right in your kitchen.
Looking for a tasty and gluten-free dinner recipe that’s easy to make? Look no further than these cheesy chicken cutlets. This simple dish combines the savory flavors of chicken, cheese, and a crispy breadcrumb coating, all without the added gluten.
If you can’t find ready-made chicken cutlets in your local grocery store, butterfly and pound regular chicken breasts between two sheets of plastic wrap with a rolling pin or meat mallet until ¼-inch thick.
4 6-oz. boneless, skinless chicken cutlets 3/4 c. almond flour Sea salt and black pepper, to taste 3 large eggs 1/4 c. water 3/4 c. gluten-free panko breadcrumbs 1/4 c. Parmesan cheese, finely grated 2 t. Italian seasoning 1 c. olive oil, divided*
For this application, use regular olive oil instead of extra-virgin olive oil, which has a higher smoke point.
Directions:
Add the almond flour, salt, and black pepper to a shallow, wide bowl or pie pan and stir to combine. Set aside.
Whisk the eggs and water until thoroughly combined, then transfer to a shallow, wide bowl or pie pan. Set aside.
Pulse the gluten-free breadcrumbs, Parmesan cheese, and Italian seasoning in a food processor until fine. Transfer to a rimmed plate or pie pan and set aside.
Pat the chicken dry with a paper towel. Then, dredge each cutlet in the almond flour, egg mixture, and breadcrumbs. Be sure to shake off any excess almond flour and egg before proceeding to the next step. Press the chicken firmly into the breadcrumb mixture to ensure it is evenly coated.
When finished, transfer each cutlet to a wire rack for 5-10 minutes to “set up.”
Add half a cup of olive oil to a 12″ cast iron skillet set over medium-high heat. Once the oil starts to shimmer, add two of the cutlets in batches.
Tip: For best results, don’t do all four cutlets simultaneously to prevent overcrowding. The excess steam from overcrowding will interfere with the browning process.
Cook the chicken on one side until golden brown and crispy, approximately 4-5 minutes, before flipping. When each breast is flipped, reduce the heat to medium and cook on the second side for about 5 minutes or until the chicken is cooked.
Remove from heat and transfer the cutlets to a wire rack inside a rimmed baking pan. Gently remove excess oil with paper towels.
Carefully drain the used olive oil from the skillet and wipe the excess with a paper towel. Add olive oil to the skillet and repeat the process with the chicken cutlets.
Remove from the heat and transfer the cutlets to the wire rack with the first batch. Allow chicken to rest for 5 minutes. Slice and serve immediately with your choice of sides or over a mixed green salad. Enjoy!
These cheesy gluten-free chicken cutlets are a delicious and satisfying meal perfect for any night of the week. For a complete and flavorful meal, serve them with your favorite sides, such as roasted vegetables or a fresh salad.
There is nothing quite like the comforting aroma of a classic shepherd’s pie filling the kitchen. This hearty dish, made with tender lamb, creamy mashed potatoes, and a rich gravy, is a true comfort food staple. Cooking it in a cast-iron skillet adds a touch of rustic charm and helps to develop a delicious crust on the top. Shepherd’s pie is traditionally made with ground lamb. However, this version, also known as a “Cottage Pie,” is prepared with ground beef instead. Tip: Use a plastic spatula to cut and serve this dish for the best results. If using metal, as shown, be careful not to nick the protective seasoning on your skillet while cutting.
2 lbs. Russet potatoes, peeled and cubed 4-5 large cloves garlic, peeled and smashed Water to cover Pinch salt ½ c. chicken stock, preferably organic ¼ c. heavy cream 3 T. unsalted butter Sea salt and black pepper, to taste
Remaining Ingredients:
1½ lbs. ground beef 2 t. fresh rosemary leaves, finely chopped 2 T. Worcestershire sauce Sea salt and black pepper, to taste ¾ c. frozen corn kernels, thawed ¾ c. frozen peas, thawed 1¼ c. sliced frozen carrots, thawed
For garnish:
Smoked paprika Fresh chives, chopped
Directions:
Place the top oven rack in the center position and preheat the oven to 400°F.
Place the potatoes and garlic in a large pot and add water until thoroughly covered, with an additional inch or two on top. Bring to a rapid boil over high heat for 15 minutes or until the potatoes are fork-tender. Remove from heat, drain, and set aside.
While the potatoes are boiling, add the beef, rosemary, and Worcestershire sauce to a 10” cast iron skillet set over medium heat. Season with salt and black pepper to taste, and stir to combine. Cook, stirring frequently, until the beef is completely browned and broken into small pieces, approximately 8-10 minutes.
Remove the skillet from the heat and carefully drain any excess fat from the skillet, if necessary. Set aside.
Add chicken stock, heavy cream, and butter to the boiled potatoes. Season with salt and black pepper to taste, and mash with a hand masher or whip with a hand mixer until smooth. Add a little extra chicken broth to reach the desired consistency if necessary. Set aside.
Spread the thawed corn, peas, and carrots evenly across the browned ground beef in the cast-iron skillet. Top with an even layer of the mashed potatoes and sprinkle with some smoked paprika.
A cast-iron shepherd’s pie is a satisfying and soul-warming meal for sharing with loved ones. The combination of flavors and textures is truly irresistible. Serve it with steamed vegetables or a crisp salad for a complete and balanced meal.
There’s nothing quite like the sizzle of steak cooking on a cast-iron skillet. Our carne asada recipe brings the flavors of Mexico right to your kitchen. Carne asada recipe: tender and juicy steak, marinated in a vibrant blend of spices, is perfectly grilled and served with fresh lime and tortillas for a delicious and satisfying meal.
Skirt and flank steak are two of the most popular cuts of meat used to prepare this dish. Both are excellent choices for marinades and a quick sear over high heat. The key to success with either option is to thinly slice the meat against the grain or perpendicular to the long striations that run through the cut before serving.
Prep time: 15 minutes (+ time to marinade) Cook time: 10 minutes Serves: 4-6
Marinade Ingredients:
3 T. extra virgin olive oil 3 T. fresh orange juice 1 t. orange zest, preferably organic 2 T. fresh lime juice 3 T. tamari or coconut aminos 3-4 large cloves of fresh garlic, peeled and smashed 1 t. chili powder ½ t. ground cumin 1 t. Mexican oregano 2 T. fresh cilantro, roughly chopped 1 t. sea salt ½ t. black pepper
Remaining Ingredients:
1½ lbs. skirt or flank steak 8-oz. cherry tomatoes, quartered 2 T. fresh cilantro, chopped, divided ½ medium red onion, chopped small 3 T. fresh lime juice, divided 1 large avocado, chopped 5-6 large radishes, trimmed and sliced thin 1 large lime, cut into 8 wedges 2 oz. Cotija cheese, crumbled 1 large jalapeño, sliced
To prepare the marinade, stir and combine all ingredients in a medium bowl. Set aside.
Place the steak into a freezer bag and pour the marinade on top. Seal the bag tightly and turn several times to ensure the steak is evenly coated. Marinate at room temperature for at least 30 minutes (but less than 2 hours) or place in the refrigerator overnight.
Tip: If marinating the steak in the refrigerator, allow it to come to room temperature, approximately 20-30 minutes, before cooking.
Combine the tomatoes, one tablespoon of fresh cilantro, red onion, and two tablespoons of fresh lime juice in a bowl. Season with salt and black pepper to taste, and stir to combine. Set aside.
Toss the chopped avocado with the remaining lime juice in a small bowl and set aside to prevent browning.
Heat a large cast-iron skillet over medium-high heat. Remove the steak from the marinade and let excess liquid drip off before placing it in the hot skillet. Sear for 3-4 minutes per side for medium-rare or until the meat reaches the desired level of doneness.
Tip: Use the grilling option on this chart (and an instant-read thermometer) to determine the desired cooking temperature
Remove from heat and allow steak to rest for 5 minutes before thinly slicing it against the grain. Serve immediately with the seasoned tomatoes, diced avocado, sliced radishes, lime wedges, and fresh cilantro. Top with sliced jalapeño and Cotija cheese. If desired, offer guacamole, gluten-free tortillas, and/or lettuce wraps on the side. Enjoy!
Our cast-iron carne asada is a versatile dish that can be enjoyed in many ways. Serve it in tacos, burritos, or simply with rice and beans. The bold flavors and tender texture of the steak are sure to impress.
There is nothing quite like the aroma of a warm, freshly baked dessert filling the kitchen. Our black cherry crisp is a classic recipe perfect for any occasion. Sweet and juicy black cherries are nestled beneath a buttery, crumbly topping, creating a delicious and comforting treat.
Tip: Frozen cherries are much easier to use than fresh ones for this recipe. Place frozen cherries in a small strainer set over a large bowl to collect the liquid while thawing. Reserve the liquid to use in smoothies, cocktails, or non-alcoholic beverages. For example, you can combine cherry juice with club soda and crushed mint for a refreshing spritzer
4½ c. frozen black cherries, thawed and chopped ¼ c. honey, preferably local ½ t. ground cinnamon ½ t. ground allspice ¼ t. ground cloves 1 T. fresh thyme leaves
Topping Ingredients:
1 c. Old-fashioned rolled oats ½ c. almond flour ½ c. pecans, chopped 1/3 c. honey, preferably local 3 T. unsalted butter, melted 1/8 t. table salt
2 T. melted coconut oil (or olive oil)
Optional to Serve:
Greek yogurt, homemade whipped cream, or sugar-free ice cream. Fresh thyme sprigs for garnish
Directions:
Place the top oven rack in the center position and preheat the oven to 350°F.
Combine thawed chopped cherries, honey, cinnamon, allspice, cloves, and thyme leaves in a bowl. Toss to combine and set aside.
Combine the topping ingredients in a separate bowl and stir until oats are thoroughly coated and all ingredients are well combined. Set aside.
Lightly grease the four 9-oz. oval cast iron baking dishes (or the 10” cast iron skillet) with coconut oil.
Divide the cherry mixture equally among the cast iron mini-servers and spread it into an even layer. Divide the topping between the 4 mini-servers as well, and spread it into a thin layer on top.
Place in the oven and bake for 30 minutes until the top is nicely browned, and the cherry mixture is bubbly.
Tip: If using a 10” skillet, cover loosely with aluminum foil after 30 minutes and bake for another 10-15 minutes.
Remove from oven and set aside to cool for 5-10 minutes before serving plain or topped with Greek yogurt, whipped cream, and/or sugar-free ice cream. If desired, garnish with a couple of sprigs of fresh thyme. Enjoy!
Serve our warm black cherry crisp with a scoop of vanilla ice cream or a dollop of whipped cream for an extra indulgent dessert. This classic recipe is sure to become a family favorite.
