Medicare Supplement
FOR SENIORS
What Are Medicare Supplement Plans? Your Complete Guide to Medigap Coverage.
If you’re enrolled in Original Medicare (Part A and Part B), you may already know that it doesn’t cover everything. That’s where Medicare Supplement Plans, also known as Medigap, come into play. These plans help fill the “gaps” in coverage—like copayments, coinsurance, and deductibles—offering peace of mind and more predictable healthcare costs.
What is a Medicare Supplement Plan?
A Medicare Supplement Plan is private health insurance that works alongside your Original Medicare. It does not replace Medicare; instead, it helps cover out-of-pocket expenses that Medicare Parts A and B don’t fully pay for.
There are 10 standardized Medigap plans available in most states, labeled Plan A through Plan N. Each plan offers different levels of coverage, but all are designed to give you more control over your healthcare spending.
Key Benefits of Medicare Supplement Insurance
- Covers deductibles, copays, and coinsurance
- Nationwide coverage – see any doctor that accepts Medicare
- Guaranteed renewable – your plan can’t be canceled due to health conditions
- Travel protection – some plans offer emergency coverage outside the U.S.
Who Should Consider a Medigap Plan?
Medicare Supplement Plans are ideal for:
Seniors who frequently visit doctors or specialists
Individuals looking to reduce out-of-pocket costs
People who want predictable, budget-friendly healthcare expenses
Snowbirds or travelers needing out-of-state coverage
Medicare Supplement Questionnaire
Please fill out the form below to help us find the best Medicare supplement plan for you.
When Can You Enroll?
How to Choose the Right Plan
The best time to enroll is during your Medigap Open Enrollment Period:
This six-month window starts the first month you’re 65 or older and enrolled in Medicare Part B. During this time, you can buy any Medigap policy available in your state without medical underwriting.
Compare the following when choosing a Medicare Supplement Plan:
- Monthly premium
- Coverage levels (Plan G vs Plan N, etc.)
- Foreign travel coverage
- Insurance company ratings
Popular plans like Medicare Supplement Plan G and Plan N offer comprehensive benefits and competitive pricing, making them top picks for many retirees.
Final Thoughts
A Medicare Supplement Plan is an excellent way to protect your health and your finances. With the right Medigap policy, you can minimize unexpected medical bills and enjoy your retirement with confidence.
Give us a call at 1-866-526-7264. One of our Medicare experts will be glad to assist you.
Frequently Asked Questions About Medicare Supplement Plans (Medigap)
- A Medicare Supplement (Medigap) plan is private insurance that helps pay for out-of-pocket costs not covered by Original Medicare, such as deductibles, copayments, and coinsurance.
- Medigap works with Original Medicare, covering the gaps in costs. Medicare Advantage is an alternative to Original Medicare and usually includes additional benefits like vision, dental, or prescription drugs.
- You can enroll during your Medigap Open Enrollment Period, which begins the month you’re 65 or older and enrolled in Medicare Part B. This six-month window allows you to buy any plan without medical underwriting.
- No. Medigap plans do not include Part D prescription drug coverage. You’ll need to purchase a separate Medicare Part D plan for drug coverage.
- Not during your Open Enrollment Period. After that window, you may be subject to underwriting and could be denied or charged more based on your health.
Plan G is currently the most popular choice among new enrollees due to its comprehensive coverage, including all gaps except the Part B deductible.
- Yes. Plans are standardized by the federal government. A Plan N from one company must offer the same coverage as Plan N from another company—the only difference is the premium and customer service.
Yes. You can see any doctor or hospital that accepts Medicare nationwide. No network restrictions apply.
- Some plans (such as Plan G and Plan N) provide limited emergency foreign travel coverage—usually up to $50,000 in lifetime benefits after a deductible.
- Yes, but depending on when you apply, you may be subject to medical underwriting and could be denied coverage or charged more.
- Premiums vary by plan, insurance company, location, age, and gender. Prices typically range from $80 to $300+ per month.
No. Medigap plans do not cover dental, vision, or hearing. You’ll need separate policies or Medicare Advantage plans for those services.
Your Medigap plan goes with you. However, pricing may change based on your new ZIP code.
Plan F is only available to people who were eligible for Medicare before January 1, 2020. New enrollees can consider Plan G, which is very similar.
No. Medigap policies are guaranteed renewable, meaning they automatically renew as long as you pay the premiums.