Medicare Supplement Plans (Medigap)

Smarter Coverage for What Medicare Doesn’t Pay

Medicare Supplement Plans—also known as Medigap—help cover the out-of-pocket costs that Original Medicare (Parts A and B) doesn’t, including deductibles, copayments, and coinsurance. These plans give you more predictable coverage, fewer financial surprises, and the freedom to see providers without network restrictions.

What Medicare Supplement Plans Cover

Support Where  Original Medicare Leaves Off


Medigap plans are standardized, meaning the benefits stay consistent across insurers. These plans help cover:


  • Medicare Part A and B deductibles
  • Coinsurance and hospital costs beyond day 60
  • The 20% coinsurance for outpatient services under Part B
  • Excess charges from doctors who don’t accept Medicare’s standard rates
  • Emergency medical care while traveling outside the U.S. (in some plans)


There are no networks—you can see any provider nationwide who accepts Medicare.

How Medigap Works

Predictable Costs and Guaranteed Renewability

Medigap plans work with Original Medicare—not in place of it. You keep all your Medicare benefits, with fewer bills after each visit.


  • Guaranteed renewable as long as you pay your premium
  • Fixed monthly premiums with no surprise copays
  • No referrals needed—see any Medicare provider
  • Does not include drug coverage. You’ll need a separate Part D plan


Popular options include Plan G, Plan N, and Plan F (if you were eligible before 2020). I’ll walk you through the differences so you can choose with confidence.

When You Can Enroll

Your Best Enrollment Window for Medigap


Your six-month Medigap Open Enrollment Period begins when you’re 65 and enrolled in Medicare Part B. During this time, you have guaranteed issue rights, meaning:


  • No medical underwriting
  • No coverage denials for pre-existing conditions
  • Access to the best available pricing


You may also qualify for guaranteed issue outside this window if you’ve lost employer coverage, left a Medicare Advantage plan, or experienced other qualifying events. I’ll help you understand where you stand and what your options are.

Client Services

Need a Medicare Form? Start Here.

If you're applying for a Medigap plan, switching coverage, or coordinating Medicare paperwork, you may need official forms to get started.

Medigap vs. Medicare Advantage: What You Need to Know

Medigap and Medicare Advantage plans work very differently:


  • Medigap works with Original Medicare to reduce out-of-pocket costs
  • Medicare Advantage replaces Original Medicare and includes built-in networks and benefits


Benefits vary widely, even within each plan type. Some plans include drug coverage, others don’t. I’ll help you compare both side by side so you can choose based on your needs, budget, and lifestyle.

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Ongoing Support at No Cost

We offer annual Medicare plan reviews at no cost during Open Enrollment. It’s how we help you save money, stay ahead of coverage changes, and feel confident in your plan. There’s never a cost for our service, but real support, year after year.

Ready to Fill the Gaps in Your Medicare Coverage?

Whether you're new to Medicare or switching from a Medicare Advantage plan, I’ll help you compare your options and choose a Medigap plan that gives you clarity, consistency, and peace of mind.

Schedule a time that works for you or reach out directly—I'm here to help.

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