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Medicare Supplement (Medigap)

Don't Let Medical Bills Surprise You. Find Protection and Peace of Mind.

Original Medicare has gaps in coverage that can leave you with unexpected out of pocket costs. A Medicare Supplement plan helps fill those gaps so you can focus on your health, not your bills.

Don't Fall into the Medicare Trap

Original Medicare (Part A & B) is a great start, but it leaves you exposed to significant costs. Many people don't realize what's missing until it's too late.

Did you know? Original Medicare only pays for about 80% of your Part B medical costs. That remaining 20% can add up quickly, with no yearly out of pocket limit. This means a major health event could leave you with thousands in medical bills.

A Medicare Supplement plan is designed to be your safety net, covering those gaps so you don't have to face a financial crisis to get the care you need.

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Why a Medicare Supplement Plan is a Smart Choice

Medicare Supplement plans work with your Original Medicare to give you more predictable costs and fewer financial worries.

Say Goodbye to Unexpected Bills

Medigap plans help cover your deductibles, copayments, and coinsurance. This means you know your healthcare costs upfront, so there are no surprises.

Keep the Doctors You Trust

With a Medigap plan, you have the freedom to see any doctor or visit any hospital nationwide that accepts Original Medicare. No network restrictions, no referrals needed.

Get Coverage Where You Travel

Many plans include emergency medical care coverage for international trips, a benefit that Original Medicare alone does not provide. Travel with confidence.

Choose the Right Plan for Your Needs

All plans of the same letter offer the exact same benefits, but Plan G and Plan N are the most popular for a reason.

Plan G: Our Most Popular Choice

Plan G is the most comprehensive plan available to new enrollees, covering nearly all of your out of pocket costs with the exception of the small Part B deductible. It offers complete predictability and peace of mind.

  • Covers 100% of Part B coinsurance.

  • Covers Part A deductible ($1,632 in 2024).

  • Offers foreign travel emergency coverage.

  • No copays for doctor or hospital visits.

Plan N: The Smart, Affordable Option

Plan N is an excellent choice if you're looking for a lower premium. It offers similar comprehensive coverage to Plan G, but you agree to pay for a few small costs on your own.

  • Covers 100% of Part B coinsurance.

  • Covers Part A deductible.

  • You pay up to $20 for office visits and up to $50 for ER visits.

  • Offers foreign travel emergency coverage.

Ready to Find Your Medigap Plan?

Getting started is simple. Our licensed agents will guide you through the process with zero pressure.

1

Tell Us Your Needs

Contact us online or by phone. Our experts will get to know your unique healthcare and financial situation.

2

Compare Your Options

We'll search dozens of carriers to find all the plans available in your area and review them with you.

3

Enroll with Confidence

Once you choose a plan, we'll help you complete the application and guide you through the rest of the enrollment process.

Got questions? We've got answers.

If you don't see your question below, call to talk with one of our licensed agents.

What is a Medicare Supplement plan?
A Medicare Supplement plan (or Medigap) is an insurance policy that helps pay for out of pocket costs not covered by Original Medicare (Part A and Part B), like copays, coinsurance, and deductibles.
Can I keep my doctors?
Yes. With a Medigap plan, you can visit any doctor or hospital nationwide that accepts Original Medicare. You don't need referrals to see specialists.
When can I enroll in a Medigap plan?
The best time is during your Medigap Open Enrollment Period, which begins the month you turn 65 and are enrolled in Medicare Part B. During this time, you can enroll regardless of your health status.
Do Medigap plans cover prescription drugs?
No, Medigap plans do not cover prescription drugs. You will need to enroll in a separate Medicare Part D plan to get this coverage.
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