Real ChatGPT answer · index seedzv8Hxy2XVmEcompleteInsurance · Medicare plansinformational

What is the actuarial difference in cost-sharing for outpatient physical therapy between a standard Medigap Plan N and a Medicare Advantage HMO?

ChatGPTgpt-63 queries11/1/2026
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Fan-out diagram

The searches the AI actually ran for this prompt.

SEED QUERY
What is the actuarial difference in cost-sharing for outpatient physical therapy between a standard Medigap Plan N and a Medicare Advantage HMO?
3 real searches · 1 real-search pass
2026 Medicare Part B outpatient physical therapy cost 20% coinsurance deductible official CMS Medicare.govGoogle ↗
OBSERVEDShort fact
Medigap Plan N covers Part B coinsurance physical therapy outpatient official Medicare.govGoogle ↗
OBSERVEDShort fact
Medicare Advantage 2026 maximum out of pocket limit Part A Part B services CMSGoogle ↗
OBSERVEDOther / navigational

Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.

Query classes

Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.

ChatGPT real searches (3)
Short fact67%Other / navigational33%ComparisonConsequenceReasonDefinitionInstructionYes / no

Classes come from the query-classifier (a local Laya model). 3 of 3 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.

Searches and sources

ChatGPT3 real searches · gpt-6
2026 Medicare Part B outpatient physical therapy cost 20% coinsurance deductible official CMS Medicare.gov Google ↗
Medigap Plan N covers Part B coinsurance physical therapy outpatient official Medicare.gov Google ↗
Medicare Advantage 2026 maximum out of pocket limit Part A Part B services CMS Google ↗

Queries

3 queries · click a column to sort
Query / typeSearchIntentQuery classRouting formatClusterFreq ↓Weight
2026 Medicare Part B outpatient physical therapy cost 20% coinsurance deductible official CMS Medicare.gov
OBSERVED
Google ↗
AI Mode ↗
—Short fact——1x
of 1
Medigap Plan N covers Part B coinsurance physical therapy outpatient official Medicare.gov
OBSERVED
Google ↗
AI Mode ↗
—Short fact——1x
of 1
Medicare Advantage 2026 maximum out of pocket limit Part A Part B services CMS
OBSERVED
Google ↗
AI Mode ↗
—Other / navigational——1x
of 1