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Medicare Supplement Insurance (Medigap)
Fill the Gaps in Medicare With Medigap
Original Medicare doesnt cover everything and thats where Medicare Supplement Insurance (Medigap) comes in. It helps reduce your out-of-pocket costs like deductibles and coinsurance, so youre never caught off guard by unexpected medical bills.
What Is Medicare Supplement Insurance?
Medicare Supplement Insurance, or Medigap, is a type of health insurance policy offered by private companies. It is designed to work alongside Original Medicare (Parts A & B) by covering healthcare costs that Medicare doesn’t fully pay for.
Depending on the plan, Medicare
Supplement plans may help cover
- Medicare Part A and B coinsurance and hospital costs
- Skilled nursing facility coinsurance
- Your part A deductible
- Emergency care during foreign travel
With Medigap, Medicare pays its approved share first, and your supplement plan covers the rest.
How Medigap plans Work
- You receive care covered by Medicare.
- Medicare pays its approved portion of the bill.
- Your Medigap plan pays its share, depending on the policy.
- If Medicare does not cover or pay for a service first your Medicare supplement will not pay as well.
This means your protected from surprise medical expenses and can budget your healthcare with confidence.
Important Facts About Medigap Coverage
Before you choose a Medigap plan, heres what you should know
- Medicare Part A and B coinsurance and hospital costs
- Skilled nursing facility coinsurance
- Part A and B deductibles
- Emergency care during foreign travel
Who Should Consider Medicare Supplement Insurance?
You may benefit from a Medigap plan if:
- You want to limit out-of-pocket healthcare expenses.
- You travel frequently and want emergency coverage abroad.
- You want the flexibility to visit any provider that accepts Medicare.
- Your'e looking for predictable healthcare costs month to month.
Lets Find the Right Plan for You
With multiple Medigap plans available, choosing the right one can feel overwhelming. Thats why we
offer personalized assistance to help you:
- Understand the differences between Medigap Plans A, B, G, N, and more
- Compare premiums and coverage levels
- Get answers to all your Medicare-related questions
FAQs
Medicare Supplement (Medigap)
What is a Medicare Supplement plan and how does it work?
Medicare Supplement plans, also known as Medigap, is a private health insurance policy designed to fill the "gaps" in Original Medicare (Part A and Part B) coverage. These plans help pay for out-of-pocket expenses such as deductibles, copayments, and coinsurance. Because Original Medicare doesn't cover everything, a Medicare Supplement plan can provide financial protection and peace of mind, especially if you’re on a fixed income.
What are the most popular Medicare Supplement plans?
The most popular Medicare Supplement plans are Plan G and Plan N. Plan G offers comprehensive coverage, including all Medicare-approved costs except the Part B deductible. Plan N is a more budget-friendly alternative, with slightly lower premiums but small copays for doctor visits and emergency room visits. Choosing the right plan depends on your health needs and financial goals.
When can I enroll in a Medicare Supplement plan?
The best time to enroll is during your Medicare Supplement Open Enrollment Period—this six-month window starts the month you're 65 or older and enrolled in Medicare Part B. During this period, you can buy any Medicare Supplement policy offered in your state without medical underwriting, meaning you won’t be denied coverage or charged more due to pre-existing conditions.
Do Medicare Supplement plans cover prescription drugs?
No, Medicare Supplement plans do not include prescription drug coverage. For that, you’ll need to enroll in a standalone Medicare Part D plan. It’s important to pair your Medigap policy with a suitable Part D plan to ensure you’re fully covered.
Can I switch my Medicare Supplement plan at any time?
Yes, but outside of your Open Enrollment Period, you may be subject to medical underwriting, which means the insurance company can review your health history and potentially charge more or deny coverage. If your health has changed, it's wise to consult a licensed agent before switching.
Are Medicare Supplement plans standardized?
Yes. All Medicare Supplement plans are standardized and identified by letters (A, B, C, D, F, G, K, L, M, and N). This means a Plan G from one company offers the same benefits as a Plan G from another—only the premiums, customer service, and added perks may differ.
How much do Medicare Supplement plans cost?
Premiums vary based on your age, location, tobacco use, and the plan you select. Some companies offer discounts for household members enrolling together. Though costs vary, Medicare Supplement plans typically offer predictable expenses, which can help you budget more effectively.
Can I keep my doctor with a Medicare Supplement plan?
Yes! One of the biggest advantages of a Medicare Supplement plan is the freedom to see any doctor or specialist who accepts Medicare, without needing referrals. This flexibility is especially helpful if you travel or live in multiple states.
What is the difference between Medicare Advantage and Medicare Supplement?
Medicare Supplement works alongside Original Medicare and helps pay your out-of-pocket costs, while Medicare Advantage (Part C) replaces Original Medicare and often includes extra benefits like dental, glasses and hearing Aids. Medicare Supplement plans offer more provider freedom, whereas Medicare Advantage plans often use provider networks.
Do Medicare Supplement plans offer extra benefits like dental or vision?
Typically, Medicare Supplement plans do not include dental, vision, or hearing coverage. However, some insurers offer add-on packages for an extra fee. If these benefits are a priority for you, we can help explore your options for supplemental dental and vision plans.
Need help deciding which Medicare option is best for you or a loved one? Our licensed Medicare experts are here to guide you with care, clarity, and a commitment to finding the best fit for your needs. Reach out today for personalized support—because you deserve coverage that feels just right.