Medigap pays what Medicare doesn’t — the 20% coinsurance, hospital deductibles, and more. Predictable costs, no network restrictions, and freedom to see any Medicare-accepting provider nationwide.
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Understanding Medigap
A standardized insurance policy that helps pay the out-of-pocket costs Original Medicare leaves behind.
Medicare Supplement insurance — commonly called Medigap — is a policy sold by private insurance companies that works alongside Original Medicare (Parts A & B) to cover the costs Medicare does not pay in full.
When you visit a doctor or hospital, Original Medicare pays its share first. Then your Medigap policy kicks in as a secondary payer, covering some or all of the remaining costs — including the 20% Part B coinsurance, hospital deductibles, skilled nursing facility coinsurance, and even foreign travel emergency care.
Medigap plans are standardized by the federal government. This means Plan G from one company covers the exact same benefits as Plan G from another — only the price, customer service, and financial stability of the carrier differ. We help you compare carriers to find the best value.
You visit a Medicare-accepting doctor or hospital. Medicare pays its share first. Your Medigap plan then pays some or all of the remaining balance — deductibles, coinsurance, and copayments — so you are left with little to no out-of-pocket cost.
NO NETWORK RESTRICTIONS
Any doctor or hospital that accepts Medicare accepts your Medigap plan — nationwide. No referrals needed, no prior authorizations, and your coverage travels with you.
Compare Plans
Medigap plans are standardized by the federal government. Here are the three plans most seniors choose.
Most comprehensive plan available to new Medicare enrollees
The only cost not covered is the annual Part B deductible — a small price for near-complete coverage.
Lower premiums with modest cost-sharing at point of service
Up to $20 copay for office visits and up to $50 copay for ER visits (waived if admitted). No excess charge coverage.
Only available if Medicare-eligible before January 1, 2020
The most complete Medigap coverage — but only for those who became Medicare-eligible before the January 2020 cutoff.
Not sure which plan is right for you? We compare carriers and plans side by side during your free consultation — so you can choose with confidence.
Budget-Friendly Options
All the protection of Plan G or Plan F — at a fraction of the premium. A smart choice for healthy seniors looking to save.
High Deductible Medigap plans work exactly like their standard counterparts — same benefits, same nationwide access, same guaranteed renewable coverage. The difference? You pay a lower monthly premium in exchange for meeting an annual deductible before the plan begins paying. For seniors in good health who do not expect frequent medical expenses, the savings can be substantial.
Identical coverage to standard Plan G — but with a significantly lower monthly premium. You pay the annual deductible first, then your plan covers everything Plan G covers: the 20% Part B coinsurance, Part A hospital costs, skilled nursing, excess charges, and more.
The high deductible version of Plan F — the most comprehensive Medigap plan ever offered. Same complete coverage including the Part B deductible, but at a dramatically lower monthly premium. Only available if you became Medicare-eligible before January 1, 2020.
We will compare your projected costs under standard vs. high deductible plans side by side — so you can see exactly where the savings are. Our consultation is always free.
Medigap vs. Advantage
Both options work with Medicare, but they serve very different purposes. Here is how they compare.
Enrollment Window
The timing of your Medigap enrollment can determine your coverage options and premiums for years to come.
When you first enroll in Medicare Part B, you have a 6-month Medigap Open Enrollment Period. During this window, insurance companies cannot deny you coverage or charge you more because of pre-existing health conditions. This is called guaranteed issue.
This is the one time when insurance companies must accept you without medical underwriting. You cannot be turned away, charged higher premiums for health conditions, or placed on a waiting period for pre-existing conditions.
Not sure if you are still in your window? We can help you figure out your enrollment timeline and identify any special guaranteed issue rights you may have — even if your initial window has passed.
Simple Process
Three steps to predictable Medicare coverage — and it costs you nothing to explore your options.
Call or schedule a meeting with Jesse or Arnie. We learn about your Medicare situation, health needs, and budget — no pressure, no obligation.
We compare Medigap plans across multiple carriers to find the best coverage and premium for your situation. Same benefits, different prices — we find the best value.
We handle all the paperwork. Your Medigap policy is active, and we review it with you every year during your annual plan review — all at no cost to you.
Common Questions
Medigap (Medicare Supplement) works alongside Original Medicare to cover out-of-pocket costs like the 20% Part B coinsurance and hospital deductibles. Medicare Advantage (Part C) replaces Original Medicare with an all-in-one plan from a private insurer. Medigap gives you freedom to see any Medicare-accepting doctor nationwide with predictable costs. Advantage plans may have lower premiums and extra benefits like dental, but they use provider networks and may require referrals.
You can apply to switch Medigap plans at any time, but outside of your initial 6-month open enrollment period, insurance companies can use medical underwriting. This means they may review your health history and could deny coverage or charge higher premiums. Some states have additional protections, and certain life events may trigger special guaranteed issue rights. We can help you understand your options if you are considering a switch.
No. Medigap plans do not cover prescription drugs. If you want prescription drug coverage, you will need to enroll in a separate Medicare Part D plan. We can help you find a Part D plan that works with your Medigap policy and covers your specific medications at the best price.
Medigap premiums vary based on your age, location, gender, tobacco use, and the insurance carrier. Since all plans of the same letter offer identical benefits, the premium is the key difference between carriers. Plan N typically costs less than Plan G because it includes modest copays at the point of service. We compare rates across multiple carriers to find you the best value — our consultation is free.
The best time to enroll is during your 6-month Medigap Open Enrollment Period, which starts the month you turn 65 and are enrolled in Medicare Part B. During this window, you have guaranteed issue rights — meaning no medical underwriting, no health questions, and no denial of coverage. If you miss this window, enrolling later may be more difficult and more expensive. Contact us before your window closes so we can help you make the most of it.
Schedule a free, no-obligation consultation. We will compare plans and carriers to find the coverage and premium that fits your needs.