Medicare Supplement (Medigap)
Fill the gaps in Original Medicare
We help you compare Medigap plans that work alongside Original Medicare to reduce out-of-pocket costs and give you predictable coverage.
Overview
How Medigap works
Medicare Supplement Insurance (Medigap) helps pay some of the costs that Original Medicare doesn’t cover—like copays, coinsurance, and deductibles.
Works with Original Medicare
You keep Parts A and B, and your Medigap policy helps cover eligible out-of-pocket costs.
Standardized plan options
Plans are labeled by letter (like Plan G or Plan N). Benefits are standardized—pricing and extras can vary by carrier.
See any Medicare provider
Most Medigap plans let you visit any doctor or hospital nationwide that accepts Medicare.
Separate Part D coverage
Prescription drug coverage is not included with Medigap—you’ll typically pair it with a standalone Part D plan.
Why people choose Medigap
Medigap FAQs
Common questions we help clients answer when comparing Medicare Supplement plans.
When can I enroll in a Medigap plan?
The best time is typically your Medigap Open Enrollment Period (the 6 months after you’re 65+ and enrolled in Part B). During this time, you generally have guaranteed issue rights.
Do Medigap plans cover prescriptions?
No. Medigap doesn’t include drug coverage. Most people add a standalone Part D prescription plan.
What’s the difference between Plan G and Plan N?
Both are popular options. Plan G generally offers more comprehensive cost-sharing coverage, while Plan N may have lower premiums with some copays for certain visits.
Can I switch Medigap plans later?
You may be able to, but outside of guaranteed issue situations you could be subject to medical underwriting depending on your circumstances and carrier rules.
Do I need a separate dental or vision plan?
Medigap focuses on Medicare cost-sharing. Many people add separate dental, vision, or hearing coverage if they want those benefits.
How do I compare carriers and rates?
We’ll review plan letters that fit your needs, then compare carrier pricing, rate history, household discounts, and underwriting guidelines to find a strong value.