Get Help Choosing a Medicare Supplement With a Local, Licensed Agent

What is Medigap?

Medigap (also called Medicare Supplement Insurance) is additional coverage that works alongside Original Medicare (Part A and Part B). Medigap helps pay certain out-of-pocket costs like copays, coinsurance, and deductibles depending on the plan you choose.

Medigap is often a great option for people who:

Want more predictable costs throughout the year
Prefer broad provider access without HMO/PPO networks
Travel frequently or live part-time in more than one location
Want coverage that’s straightforward and easy to use

Important notes:

Medigap plans are standardized by plan letter (availability varies by state and eligibility).
Medigap typically has a monthly premium.
Medigap generally does not include prescription drug coverage—you usually pair it with a Part D plan.

Why People Choose a Medicare Supplement

Many people choose Medigap because it can make Medicare expenses easier to plan for.

Common benefits of Medigap:

Nationwide access to providers who accept Medicare
Lower out-of-pocket exposure for Medicare-approved services (depending on the plan)
Fewer surprises when you need care
Coverage that works well for people who want stability and flexibility

We’ll help you look at the full picture—not just the premium.

Key considerations:

Medigap plans usually have a monthly premium
You’ll generally need a separate Part D plan for prescriptions
Some Medigap plans may have medical underwriting outside certain enrollment windows (eligibility rules apply)
The “best” plan depends on how often you use care and how predictable you want costs to be

Medigap vs Medicare Advantage: Which One Is Better?

Medigap (Supplement) may be best if you:

Want broad provider access (no networks)
Prefer predictable costs when using care
Travel frequently or want flexibility
Don’t mind paying a monthly premium for stronger cost protection

Medicare Advantage may be best if you:

Want an all-in-one plan structure
Prefer copays and plan-based benefits
Want extra benefits (dental/vision/hearing) where available
Are comfortable using provider networks

We can compare both options and help you choose the best fit.

The Process

Our Simple Medicare Supplement Review Process

We make this easy, even if you’re brand new to Medicare.

Quick Needs Review
We learn your goals: flexibility, budget, frequency of care, and preferences.
Explain Plan Options Clearly
We break down the differences so you understand what you’re buying.
Compare Premiums and Coverage
We help you evaluate cost vs. protection.
Coordinate Part D (If Needed)
If you want prescription coverage, we help align your Part D plan.
Ongoing Local Support
Questions after enrollment? You can call or visit our office.

Frequently Asked Questions

No. Medigap works with Original Medicare. Medicare pays first, and Medigap helps cover eligible remaining costs depending on the plan.
Medigap generally does not include prescription drug coverage. Most people add a separate Part D plan.
Generally, you can see any provider nationwide who accepts Medicare, since Medigap follows Original Medicare.

Medigap usually has a monthly premium, but it can reduce out-of-pocket spending for Medicare-approved services. The “best value” depends on your healthcare usage and priorities.
Sometimes. Outside certain enrollment windows, medical underwriting may apply (rules vary). We’ll help you understand timing and options.
Your Medicare card (or Medicare number), a list of prescriptions, and your preferred doctors/pharmacies.