DO I NEED SUPPLEMENT PLANS

WITH MEDICARE?

What Support Does Medicare Offer - and

What Doesn’t It Cover?

Medicare is a health insurance program that helps cover medical costs for those who qualify. It offers different plans so you can choose the right coverage for your needs and budget.


However, Medicare doesn’t cover everything. You may still have out-of-pocket costs like:

● Copayments & coinsurance (your share of medical costs)

● Deductibles (the amount you pay before Medicare starts covering costs)

● Prescription drugs (unless you have a Part D plan)

● Dental, vision, and hearing care

To fill these gaps, many people choose a Medicare Supplement (Medigap) or Medicare Advantage plan.

Need help finding the best coverage? Contact MAC Insurance today!

The Benefits of Supplement Plans

Medicare Supplement plans (Medigap) are offered by private insurance companies to help cover costs that Original Medicare doesn’t fully pay. These plans can help with:

● Copayments, coinsurance, and deductibles

● Extra services not covered by Original Medicare

● Lowering out-of-pocket costs for medical care

After Medicare pays its share, Medigap covers the rest, reducing your expenses. Many people choose these plans for better financial protection and peace of mind.

Finding the Best Supplement Plan

Medicare Supplement (Medigap) plans help cover out-of-pocket costs that Original Medicare doesn’t pay. These plans are offered by private insurance companies and come in different types (A through N), each with standard benefits nationwide.

Why Compare Plans?


● Costs vary by state, age, and provider

● Coverage is standardized, so compare plans to find the best fit for your needs

● Extra support available—some plans may cover more out-of-pocket costs


Need help choosing the right plan? Contact MAC Insurance today for expert guidance!

Do I need a supplement plan with

MEDICARE?

A Medicare supplement plan isn’t required, but it can help cover costs like deductibles, copays, and coinsurance that Medicare doesn’t pay. It can be useful if you want lower out-of-pocket expenses.

If you decide to enroll through us, our support doesn’t stop there. We’ll continue assisting you throughout your Medicare journey—reviewing your plans each year to ensure they remain the best fit and answering any questions you may have along the way

ADDITIONAL QUESTIONS TO BE ADVISED ON:

How can a Medicare Supplement (Medigap) plan help cover costs that Medicare doesn’t?

A Medicare Supplement (Medigap) plan helps cover costs like deductibles, copayments, and coinsurance, making healthcare expenses more predictable.

What are the differences between Medigap and Medicare Advantage plans?

Medigap helps pay Medicare’s out-of-pocket costs and lets you see any doctor. Medicare Advantage replaces Medicare, includes extra benefits, and has network restrictions.

Would I rather have set healthcare costs or pay per visit?

If you want predictable costs, Medigap is a good option. If you prefer lower premiums and paying per visit, Medicare Advantage may work better.

How does Medigap coverage work when traveling out of state or internationally?

Medigap works nationwide, so you can see any doctor that accepts Medicare in any state. Some Medigap plans also cover emergency medical care when traveling outside the U.S.

What are the different types of Medigap plans, and which one fits my needs best?

Medigap offers several plans (A, B, C, D, F, G, K, L, M, and N), each covering different costs. Plan G is popular for covering most out-of-pocket expenses except the Part B deductible. The best plan for you depends on your budget and healthcare needs.

Can I switch from Medicare Advantage to Medigap if I change my mind later?

Yes, but switching can be tricky. You can leave Medicare Advantage during certain periods, but you may need to pass medical underwriting to get a Medigap plan unless you qualify for a special enrollment period.

We are not connected with or endorsed by the United States government or the federal Medicare program. We do not offer every plan available in your area, and any information we provide is limited to those 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.

Copyright © 2025 MAC Insurance. All rights reserved.