Medicare Supplement Plan

Original Medicare (Parts A & B) provides essential coverage — but it doesn’t pay for everything. Deductibles, copays, and coinsurance can add up quickly, especially if you need frequent care. Medicare Supplement Insurance Plans, also known as Medigap, help cover these out‑of‑pocket costs so you can enjoy predictable healthcare expenses and greater peace of mind.

Medigap plans work alongside your Original Medicare to give you more financial protection, more freedom, and more confidence in your healthcare coverage.

A Medicare Supplement Plan is private insurance that helps pay for costs not covered by Original Medicare, such as:

• Medicare Part A & B deductibles
• Copayments and coinsurance
• Hospital costs after Medicare coverage ends
• Skilled nursing facility coinsurance
• Foreign travel emergency care (with some plans)

These plans are standardized, meaning each plan type (A, B, G, N, etc.) offers the same benefits no matter which insurance company provides it.

• Lower Out‑of‑Pocket Costs - Medigap helps pay the expenses that Original Medicare leaves behind.
• Freedom to Choose Any Medicare‑Accepting Provider - See any doctor or specialist nationwide who accepts Medicare — no referrals, no networks.
• Predictable Healthcare Expenses - Enjoy more stable monthly costs and fewer surprise medical bills.
• Coverage That Travels with You - Many plans include nationwide coverage and even emergency care abroad.
• Guaranteed Renewable - As long as you pay your premium, your plan cannot be canceled — even if your health changes.

Medicare Supplement Plans are ideal for:

• Seniors who want predictable healthcare costs
• Individuals with chronic conditions or frequent doctor visits
• People who travel often or split time between states
• Anyone who wants the freedom to choose any Medicare‑accepting provider
• Caregivers seeking financial stability for loved ones

If you prefer flexibility and fewer out‑of‑pocket surprises, Medigap may be the right fit.

Coverage varies by plan type, but most include benefits such as:

• Hospital & Medical Costs
• Part A coinsurance and hospital costs
• Part B coinsurance or copayments
• Blood (first 3 pints)
• Skilled Nursing & Hospice
• Skilled nursing facility coinsurance
• Hospice care coinsurance
• Additional Protection
• Part A deductible
• Part B deductible (only in certain older plans)
• Foreign travel emergency care

Plans like Plan G and Plan N are among the most popular for their strong coverage and predictable costs.

• Enroll in Original Medicare (Parts A & B).
• Choose a Medigap plan that fits your needs and budget.
• Pay your monthly premium to keep your Medigap plan active.
• When you receive care, Medicare pays first, and your Medigap plan helps cover the remaining costs.
   

Medigap does not include prescription drug coverage — you can add a separate Part D plan if needed.

• Helps cover Medicare deductibles, copays, and coinsurance
• No provider networks — see any Medicare‑accepting doctor.
• Predictable monthly costs
• Nationwide coverage
• Guaranteed renewable
• Strong financial protection for frequent healthcare needs