Which States Limit Medigap Costs? 
Medicare is a federal government run program - the benefits provided under Medicare Parts A & B are the same in each state . If a doctor accepts assignment , they are accepting the Medicare approved amount as payment in full and will not bill the insured an excess charge . When a doctor does not accept assignment , they reserve the right to charge an amount above and beyond the Medicare approved amount , up to 15 % . For example , if you have a service done that Medicare says costs $ 200 and the doctor accepts Medicare , but not assignment , they can charge the insured up to an additional $ 30 for the service . A Medicare supplement plan is a great way to cover excess charges . If your primary care physician accepts Medicare , but does not accept assignment , you may want to secure a Medigap plan F . If they do accept assignment , a plan N may be more suitable to your needs . Plans F & G will cover excess charges - the other Medicare supplement plans will not . The states that do not allow excess charges -LRB- due to the Medicare Overcharge Measure Law -RRB- are Connecticut , Massachusetts , Minnesota , New York , Ohio , Pennsylvania , Rhode Island and Vermont . However , this is only a critical item if you have a Medicare Supplement plan that does not cover Part B excess charges . If you have a plan F or plan G , then it wont really matter because the plan would pay the excess charges regardless . I hope the information is helpful - please feel free to contact me for help with your coverage and if you have any other questions . Thanks very much . 