You’ve earned your benefits—let’s help you get the most out of them.
Understand the differences between Plan G, N, and others
Compare premium rates across multiple carriers
Avoid plans that don’t fit your current or future needs
Stay supported—year after year
Get enrolled quickly and confidently
Extra Coverage for Peace of Mind
Even with Original Medicare, you may find there are still gaps—like deductibles, copays, or coinsurance—that you’re responsible for. That’s where Medicare Supplement Insurance, also called Medigap, comes in.
Medicare Supplement plans are offered by private insurance companies and work alongside your Original Medicare (Parts A and B). They help pay for the “gaps” in your coverage, such as:
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Part A hospital deductibles
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Part B copayments and coinsurance
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Skilled nursing facility costs
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Emergency care while traveling abroad
Unlike Medicare Advantage plans, Medigap plans do not include prescription drug coverage—you’ll need a separate Part D plan for that.
Choosing a Plan
If you want the freedom to see any doctor who accepts Medicare and avoid the surprise of high out-of-pocket costs, a Supplement plan may be the right fit.
Predictable costs
Fewer surprise bills and more peace of mind
No networks
See any provider in the U.S. that accepts Medicare
Guaranteed renewability
Your plan can’t be canceled as long as you pay your premiums
Freedom to travel
Most plans include coverage for emergencies outside the U.S.
No referrals needed
Go straight to any Medicare-participating specialist
Costs
Your premium depends on:
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Your age and location
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The plan you choose
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The insurance company offering it
While you’ll pay a monthly premium for your Supplement plan in addition to your Part B premium, many people find the reduced out-of-pocket costs worth the investment—especially for frequent healthcare needs.
Enrollment
The best time to enroll in a Medigap plan is during your Medigap Open Enrollment Period:
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Begins the first day of the month you're 65 or older and enrolled in Medicare Part B
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Lasts for six months
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During this time, you can buy any Medigap plan offered in your state without medical underwriting
After this window, you may still apply, but approval could depend on your health history. That’s why it’s smart to act early.
