Medicare Supplement Plans
Also known as Medigap, these plans help cover the out-of-pocket costs that Original Medicare doesn't pay — giving you peace of mind and predictable expenses.
What is Medicare Supplement Insurance?
Medicare Supplement Insurance (Medigap) is sold by private insurance companies and helps pay for some of the health care costs that Original Medicare doesn't cover — like copayments, coinsurance, and deductibles.
Unlike Medicare Advantage, Medigap plans work alongside Original Medicare. You use your Medicare card plus your Medigap card when you receive services. There are no networks — you can see any doctor or specialist that accepts Medicare, anywhere in the country.
Medigap plans are standardized by the federal government, meaning Plan G from one company covers the same benefits as Plan G from another. The differences between carriers are premium cost, customer service, and financial stability.
Most Popular Medigap Plans
Plan F
The most comprehensive Medigap plan. Covers all gaps including Part B excess charges. Available to those eligible for Medicare before January 1, 2020.
Plan G
Covers nearly everything Plan F does, except the Part B deductible. The most popular plan for new Medicare enrollees due to competitive premiums.
Plan N
A cost-effective option with lower premiums. Covers most gaps but may have small copays for office visits and ER visits.
Other standardized plans (A, B, C, D, K, L, M) are also available. Contact us to compare all your options.
Why Choose a Medigap Plan?
- No network restrictions — see any Medicare-accepting provider nationwide
- Predictable out-of-pocket costs with stable monthly premiums
- No referrals needed to see specialists
- Coverage travels with you anywhere in the U.S.
- Guaranteed renewable as long as you pay your premium
- Some plans cover foreign travel emergencies
Explore Medicare Supplement Topics
Medigap Plans
Explore all standardized Medigap plans (A through N) and what each covers.
Learn more →Plan Comparison
Compare Medigap plans side by side to find the right balance of coverage and cost.
Learn more →Medigap Insurance
How Medicare Supplement insurance works with Original Medicare to cover gaps.
Learn more →Frequently Asked Questions
What is Medicare Supplement (Medigap) insurance?
Medicare Supplement, also called Medigap, is private insurance that helps pay for out-of-pocket costs not covered by Original Medicare, such as copayments, coinsurance, and deductibles. Unlike Medicare Advantage, Medigap works alongside Original Medicare and does not replace it.
Can I see any doctor with a Medigap plan?
Yes. Medigap plans have no provider networks. You can see any doctor or hospital in the United States that accepts Medicare patients. This makes Medigap ideal for people who travel frequently, split time between states, or want complete freedom in choosing their providers.
Do Medigap plans cover prescription drugs?
No. Medigap plans do not cover prescription drugs. If you have Original Medicare with a Medigap policy, you need to enroll in a separate Medicare Part D plan for prescription drug coverage. Some older Medigap policies sold before 2006 may include drug coverage, but new plans do not.
When is the best time to buy a Medigap plan?
The best time is during your Medigap Open Enrollment Period, which is the 6-month period that starts the month you turn 65 and are enrolled in Part B. During this window, insurance companies cannot deny you coverage or charge higher premiums due to pre-existing conditions. After this period, you may face medical underwriting.
How much does a Medigap plan cost?
Medigap premiums vary by plan letter, insurance company, your age, and where you live. Plan G is the most popular and typically ranges from $100 to $300 per month. You also continue to pay your Part B premium. While premiums are higher than many Medicare Advantage plans, Medigap covers most or all of your out-of-pocket costs, so your total healthcare spending may be more predictable.
Compare Medigap Plans & Rates
Let us shop multiple carriers to find you the best Medigap plan and rate in Brooksville. Our service is free.