Medicare Supplements
Medicare Supplements
Medicare Supplement plans, also called Medigap plans, are designed to help cover certain healthcare costs that Original Medicare does not pay for. These plans can help protect you from unexpected medical bills by covering expenses such as
- Copayments
- Coinsurance
- Deductibles
The cost of a Medigap plan depends on factors like the insurance company you choose, where you live, and the specific plan you select. If you enroll during your initial Medicare enrollment period, you are guaranteed acceptance—meaning the insurance company cannot deny you or charge you more due to pre-existing conditions.
Medigap vs. Medicare Advantage
While Medicare Advantage plans are private insurance alternatives to Original Medicare, Medigap works alongside your Medicare Part A and Part B coverage. As the name suggests, it helps fill the gaps that Medicare leaves behind.
No one plans for a serious illness or injury—but medical emergencies can happen at any time. Having Medicare Supplement Insurance can help protect your savings, provide peace of mind, and ensure you receive the care you need without financial strain.
Get Expert Guidance
If you’re considering a Medigap plan, we can help you compare options and find the right coverage for your needs. Contact us today to get started.
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We do not offer every plan available in your area. Any information provided is limited to the plans we do offer in your area. Please get in touch with Medicare.gov or 1-800-MEDICARE to get information on all your options.
Medicare Supplement(Medigap)
Coverage, Costs & Enrollment Guide
Medicare Supplement plans, also called Medigap plans, are designed to help cover certain healthcare costs that Original Medicare does not pay for. These plans can help protect you from unexpected medical bills by covering expenses such as
- Copayments
- Coinsurance
- Deductibles
The cost of a Medigap plan depends on factors like the insurance company you choose, where you live, and the specific plan you select. If you enroll during your initial Medicare enrollment period, you are guaranteed acceptance, meaning the insurance company cannot deny you or charge you more due to pre-existing conditions.
Standardized Medicare Supplement Plans
Medicare Advantage Enrollment Period
Note: The best time to enroll in a Medicare Supplement plan is during your 6-month Open Enrollment Period.
Frequently asked Questions
Plan G covers nearly all out-of-pocket costs except the Part B deductible. Plan N has lower premiums but requires small copays for some office visits and ER visits that don’t result in admission. Both plans allow you to see any doctor who accepts Medicare.
Yes, you can switch plans, but outside of your Open Enrollment Period you may be subject to medical underwriting. Some states have additional protections. Contact us to discuss your options.
To be eligible for a Medicare Supplement plan, you must be enrolled in Medicare Part A and Part B. The best time to enroll is during your Medigap Open Enrollment Period, which begins the month you turn 65 and are enrolled in Part B.
No. Our consultations are completely free with no obligation. We’re here to help you understand your options and find the right plan for your needs.