Supplemental Medicare Plans

Medicare Supplemental Plans, or Medigap, help cover costs not included in Original Medicare, such as deductibles, co-payments, and coinsurance, providing an added layer of financial protection and peace of mind for your healthcare needs.

Is Medigap Something You Are Interested In?

Interested in enhancing your Medicare coverage? Our Medicare Supplemental Plans offer the extra protection you might be looking for. Reach out to one of our experienced agents today to learn more about how Medigap can fill the gaps in your Original Medicare coverage, covering costs like co-payments and deductibles. Our team is ready to help you understand your options and find a plan that best suits your healthcare needs and budget. Contact us to ensure you’re fully covered.

A family is walking along the beach barefoot.
A blurry picture of a beach at sunset with waves coming in.

What is a Medigap Plan?

A Medicare Supplement, also known as Medigap, is a type of health insurance policy designed to cover costs that are not covered by Original Medicare, such as co-payments, coinsurance, and deductibles. These policies are sold by private insurance companies and can also cover services that Original Medicare doesn’t cover, like medical care when you travel outside the U.S. It’s important to note that Medigap policies generally don’t cover long-term care, vision or dental care, hearing aids, eyeglasses, or private-duty nursing. They are meant to supplement Original Medicare benefits, hence the name, and are not standalone policies.

Why Choose Medicare Supplement?

A Medicare Supplement plan, or Medigap, offers a range of advantages. These plans help cover out-of-pocket costs not covered by Original Medicare, such as copayments, coinsurance, and deductibles, and may also provide coverage for services not included in Original Medicare, like overseas medical care. Unlike Medicare Advantage plans, Medigap plans offer flexibility in choosing healthcare providers without requiring referrals or network restrictions and generally do not require prior authorization for treatments. Furthermore, as long as premiums are paid, these policies are guaranteed renewable, providing ongoing coverage even if health conditions change. Lastly, Medigap policies are standardized, simplifying the process of comparing and choosing plans.

Types of Supplement Plans

A Medicare Supplement plan, or Medigap, offers a range of advantages. These plans help cover out-of-pocket costs not covered by Original Medicare, such as copayments, coinsurance, and deductibles, and may also provide coverage for services not included in Original Medicare, like overseas medical care. Unlike Medicare Advantage plans, Medigap plans offer flexibility in choosing healthcare providers without requiring referrals or network restrictions and generally do not require prior authorization for treatments. Furthermore, as long as premiums are paid, these policies are guaranteed renewable, providing ongoing coverage even if health conditions change. Lastly, Medigap policies are standardized, simplifying the process of comparing and choosing plans.

Medicare Supplement FAQ

A blue brush stroke on a white background.

  • What is Medicare Supplement Insurance?

    Medicare Supplement Insurance is a private health insurance policy designed to help pay some or all of the costs that are not covered by Medicare Parts A and B.

  • Who is eligible for Medicare Supplement Insurance?

    Anyone who is covered under both Medicare parts A and B is eligible for Medigap Coverage.

  • When can I apply for Medicare Supplement Insurance?

    You can apply for Medicare Supplement Insurance during open enrollment. Open enrollment includes a six-month period from the date you enrolled in Medicare Part B if age 65 or older, or up to six-month after you turn 65 if you were eligible for Part B benefits before age 65.

  • Does Medicare Supplement coverage include drug benefits?

    No, Medicare Supplement is designed to fill in the “gaps” with Medicare Plans such as Part A (which covers hospital and skilled nursing facility care) and Part B (which covers doctor bills and other medical expenses). For prescription drug coverage, you can select a separate Medicare Part D Prescription Drug Plan.

  • Does Everyone Need a Medicare Supplement Policy?

    Not everyone needs a Medicare supplement policy. If you have certain other types of health coverage, the gaps in your Medicare coverage may already be covered.

  • Will I need to switch doctors if I enroll in a Supplement plan?

    No, you may continue to see your own doctor. Medicare Supplement plans are convenient and flexible, giving you freedom of choice.

  • What if I work after age 65 and continue receiving group benefits?

    There are several reasons why you might consider a Medicare Advantage Plan:


    • Additional benefits: Medicare Advantage Plans often offer extra coverage, such as prescription drugs, dental care, vision care, and fitness programs.
    • Cost savings: Medicare Advantage Plans can have lower monthly premiums compared to separate Medicare Part D and supplemental insurance plans. They may also have lower out-of-pocket costs.
    • Care coordination: Medicare Advantage Plans typically have care coordination programs and networks that help manage your healthcare and coordinate with specialists.
    • Convenience: Medicare Advantage Plans bundle different types of coverage into a single plan, simplifying administration and providing one point of contact.
    • Prescription drug coverage: Many Medicare Advantage Plans include prescription drug coverage as part of their benefits package.
    • Financial predictability: Medicare Advantage Plans often have annual out-of-pocket maximum limits, providing financial protection against excessive healthcare costs.