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Keep any Medicare-accepting doctor nationwide. Medigap fills the gaps Original Medicare leaves behind — with predictable costs and zero network restrictions.
Back to all servicesOriginal Medicare (Parts A and B) covers about 80% of your medical costs. The remaining 20% — coinsurance, copays, deductibles, and excess charges — can add up quickly without additional coverage. Medicare Supplement plans, also called Medigap, are sold by private insurance companies and are designed to fill those gaps.
Unlike Medicare Advantage, Medigap works alongside Original Medicare rather than replacing it. You keep your Medicare card and continue seeing any provider who accepts Medicare. Your Medigap plan pays second — covering the costs Medicare leaves behind.
Medigap plans are standardized by the federal government. A Plan G from one carrier provides identical benefits to a Plan G from any other carrier. The only difference is price and the quality of the company's customer service — which is why working with an independent broker who compares across carriers matters.
We walk you through available plan letters and find the best carrier price for your situation.
Covers everything Medicare Supplement covers except the Part B deductible. The most comprehensive plan available to new Medicare enrollees after 2020. Predictable costs, zero surprises.
Lower monthly premium than Plan G with small copays ($20 office visits, $50 ER visits). Ideal if you're generally healthy and want solid coverage with some cost-sharing.
The lowest-premium Medigap option. You pay a higher annual deductible before coverage kicks in. Best for people who rarely use healthcare but want catastrophic protection.
Covers core benefits only: Part A coinsurance and hospital costs, Part B coinsurance, first three pints of blood, and hospice coinsurance. Lower premium, limited protection.
Medigap works with Original Medicare. If a provider accepts Medicare, they accept your Medigap plan — no networks, no referrals.
Your monthly premium is fixed. Most Medigap plans eliminate copays and coinsurance entirely, so you know exactly what healthcare will cost.
Your Medigap policy can't be cancelled as long as you pay the premium — even if your health changes significantly.
Medigap never requires prior authorization for covered services. See a specialist, schedule a procedure — no insurer approval needed.
Your best opportunity to enroll in any Medigap plan without medical underwriting is during your Medigap Open Enrollment Period — the 6-month window that starts the month you turn 65 and are enrolled in Medicare Part B. During this window, no insurer can charge you more or deny you coverage based on health conditions. Outside this window, medical underwriting may apply. We'll make sure you don't miss your window.
We'll walk you through available plans and carriers in your area. No pressure, no obligation.