Coverage Options
Medicare Supplement (Medigap)
Medicare Supplement plans work alongside Original Medicare to cover costs like copays, coinsurance, and deductibles — giving you more predictable healthcare expenses.
Key Benefits
- Covers Medicare Part A and Part B cost-sharing (copays, coinsurance, deductibles)
- Use any doctor or hospital that accepts Medicare — no networks
- Standardized plans (A, B, C, D, F, G, K, L, M, N) — same benefits regardless of insurer
- Predictable monthly costs with little to no surprise bills
- Plan G is the most popular option for new Medicare enrollees
- Requires a separate Part D plan for prescription drug coverage
Frequently Asked Questions
What does Medigap cover?
Medigap plans cover the "gaps" in Original Medicare — things like the Part A hospital deductible, Part B coinsurance, and in some cases foreign travel emergency care. The exact coverage depends on which lettered plan you choose.
Do I need a separate drug plan with Medigap?
Yes. Medicare Supplement plans do not include prescription drug coverage. You'll need to enroll in a standalone Medicare Part D plan to cover your medications.
Can I be denied a Medigap plan?
During your Medigap Open Enrollment Period (the 6 months after you turn 65 and enroll in Part B), insurers cannot deny you coverage or charge more due to health conditions. Outside this window, medical underwriting may apply.
Have Questions?
Our licensed agents are ready to walk you through your options — our guidance is completely free, no pressure.