Medicare Supplement (Medigap)
Medicare Supplement (Medigap) Plans — Clear, Predictable Coverage
Medicare Supplement plans — also called Medigap — help cover the gaps in Original Medicare.
They’re designed for people who want:
Choosing the right Supplement plan isn’t complicated — once you understand how they work.
No pressure. No obligation. Just clarity.
What Is Medicare Supplement (Medigap)?
Original Medicare (Parts A and B) does not cover everything. You are still responsible for:
Deductibles
Coinsurance
Copays
No Out-of-Pocket Maximum
A Medicare Supplement plan helps pay some or most of those remaining costs.
Medigap plans work alongside Original Medicare — not instead of it.
How Medicare Supplement Plans Work
Here’s the simple structure:
You stay enrolled in Original Medicare (Parts A & B)
Medicare pays its portion first
Your Supplement plan pays its portion second
You pay little or nothing for covered services, depending on your plan
You can see any doctor nationwide that accepts Medicare.
No referrals. No provider networks.
What Do Medigap Plans Cover?
Coverage varies by plan letter, but may include:
Plan benefits are standardized by the federal government.
That means:
Plan G from one carrier provides the same medical benefits as Plan G from another carrier.
The main difference is premium and service.
Why Choose a Medicare Supplement Plan?
Many people prefer Supplement plans because they offer:
Predictable Costs
Freedom of Provider Choice
Stability Year After Year
No Prior Authorization
They are often a good fit for individuals who:
How Is Medigap Different From Medicare Advantage?
Medicare Supplement
Both can be good options — depending on your situation.
➡ See the Full Side-by-Side ComparisonWhen Should You Enroll in Medigap?
The best time to enroll is during your:
Medigap Open Enrollment Period
This begins when:
During this period:
After this window, approval may require medical underwriting. Missing this window is one of the most common Medicare mistakes.
Timing matters.
How Much Do Supplement Plans Cost?
Costs vary by:
While premiums are higher than many Advantage plans, out-of-pocket exposure is typically much lower and more predictable.
The right comparison looks at total cost — not just monthly premium.
How We Help You Choose the Right Supplement Plan
During your free Medicare review, we:
Compare all available carriers in your ZIP code
Explain plan letter differences
Evaluate pricing structures
Review rate history trends
Coordinate Part D drug coverage
Help with enrollment paperwork
If a Supplement plan makes sense for you, you’ll understand why.
If another option fits better, we’ll explain that too.
Frequently Asked Questions
Can I switch from Advantage to Supplement?
Possibly, but underwriting may apply depending on timing. During certain enrollment periods or qualifying events, you may be able to switch without medical questions. Each situation is different. Learn more about switching plans →
Do all Medigap plans cover prescriptions?
No. Prescription coverage requires a separate Part D plan. Medigap covers gaps in medical coverage only.
Are benefits different between carriers?
Benefits are standardized by plan letter — Plan G from one carrier covers the same things as Plan G from another. However, pricing, customer service, and rate stability can vary significantly between carriers.
Can I use my Supplement plan out of state?
Yes. You can use it anywhere in the U.S. that accepts Medicare. There are no network restrictions or service area limitations.
What happens if I miss my Medigap Open Enrollment?
After your 6-month window, carriers can require medical underwriting and may deny coverage based on health conditions. This is why timing your enrollment correctly is so important. Learn about all Medicare penalties to avoid.
Is a Supplement plan better than Medicare Advantage?
It depends on your situation — doctors, prescriptions, budget, and how much flexibility you want. See the full side-by-side comparison or take the quiz to find out which fits you better.
Related Medicare Resources
Supp vs Advantage
Side-by-side comparison of costs and trade-offs.
Part D Coverage
Prescription drug plans you’ll need with Supplement.
Turning 65
First-time enrollment guide and timeline.
Annual Review
Yearly plan checkup to keep costs low.
Part B Giveback
Advantage plans that reduce your Part B premium.
Medicare Glossary
Every term explained in plain language.
Want Predictable Medicare Coverage?
Let’s review your options and make sure your coverage fits your long-term goals.
Licensed independent Medicare advisor. Reviews provided at no cost to you.