Medicare Supplement Insurance, Made Simple
Medicare can be confusing. With multiple parts and options, figuring out what’s covered—and what isn’t—can feel overwhelming. That’s where we come in. Our team is here to simplify the process and help you choose a Medicare Supplement plan that fits your needs and your budget.
Why Consider Medicare Supplement Insurance?
Original Medicare (Parts A and B) covers many healthcare services, but not everything. You’re still responsible for out-of-pocket costs like deductibles, coinsurance, and copayments—and there’s no annual out-of-pocket maximum.
That’s where Medicare Supplement Insurance (also called Medigap) comes in. These private insurance plans help pay for the costs that Original Medicare doesn’t cover, giving you more predictable healthcare expenses and greater peace of mind.
What Original Medicare Covers
Part A: Hospital Insurance
- Covers inpatient care in hospitals
- Also includes skilled nursing facility care, hospice, and some home health care
- Usually no monthly premium, but there are deductibles and coinsurance
Part B: Medical Insurance
- Covers outpatient care, doctor visits, preventive services, and medical equipment
- Monthly premium is based on your income
- Also includes a deductible and 20% coinsurance for most services
Without supplemental insurance, these out-of-pocket costs can add up—especially during a major illness or injury.
Other Medicare Options to Understand
Medicare Advantage (Part C)
Rather than using Original Medicare, some people choose a Medicare Advantage Plan, offered by private insurers. These often include:
- All Part A and B benefits
- Additional benefits like vision, hearing, and dental
- A combined plan that may also include prescription drug coverage
- Lower premiums, but potentially higher out-of-pocket costs or network restrictions
You still pay your Part B premium, but your care is managed through the Advantage plan.
Prescription Drug Coverage (Part D)
Original Medicare doesn’t cover most prescription drugs. You’ll need a Part D plan, or you can choose a Medicare Advantage plan that includes drug coverage. Either way, it’s important to make sure your medications are covered.
How Medicare Supplement Plans Help
Medicare Supplement (Medigap) plans are designed to work with Original Medicare by helping to cover:
- Copayments
- Coinsurance
- Deductibles
- Emergency care when traveling outside the U.S.
There are several standardized Medigap plans (Plan A, B, G, N, etc.), each offering a different mix of benefits. We’ll help you compare plans and carriers to find the best value and coverage for your health and lifestyle.
Let’s Make Medicare Clear
Whether you’re new to Medicare, planning ahead, or considering switching plans during open enrollment, we can help you make informed decisions.
Contact us today to schedule a Medicare review and explore your supplemental insurance options. We’ll walk you through it step by step.
Frequently Asked Questions
Medicare Supplement Insurance, or Medigap, helps cover out-of-pocket costs not paid by Original Medicare (Parts A and B), such as copayments, coinsurance, and deductibles. It offers more predictable healthcare expenses for Medicare beneficiaries.
Medigap works with Original Medicare to fill coverage gaps, while Medicare Advantage (Part C) is an all-in-one alternative that includes Medicare coverage through private insurers. With Medigap, you keep your Original Medicare benefits and add extra protection.
The best time to enroll is during your Medigap Open Enrollment Period—a 6-month window that starts when you’re 65 or older and enrolled in Medicare Part B. During this time, you have guaranteed issue rights, meaning you can’t be denied or charged more due to health conditions.
Medigap plans do not cover prescription drugs (you’ll need a separate Part D plan), vision, dental, hearing aids, long-term care, or private-duty nursing. They also don’t work with Medicare Advantage plans.
Yes, but after your initial enrollment period, you may be subject to medical underwriting or denied coverage based on your health. Some states offer additional rights or special enrollment periods, so it’s best to review your options carefully.
