Medigap Plans
Medicare Supplement Insurance that helps cover out-of-pocket costs from Original Medicare, giving you predictable healthcare expenses and freedom to choose any doctor.
What is Medigap?
Medigap (Medicare Supplement Insurance) is private insurance designed to work alongside Original Medicare to help cover out-of-pocket costs like deductibles, copayments, and coinsurance.
These plans are sold by private insurance companies and help fill the "gaps" in Original Medicare coverage, providing more predictable healthcare costs and comprehensive coverage.
Fill the Gaps
Medigap plans help cover the costs that Original Medicare doesn't pay, giving you peace of mind and predictable healthcare expenses.
Compare PlansWhy Choose Medigap?
Medigap plans offer several advantages that make healthcare more predictable and affordable.
Freedom of Choice
See any doctor or hospital that accepts Medicare, with no network restrictions or referrals required.
Predictable Costs
Know exactly what you'll pay for healthcare with fixed monthly premiums and minimal out-of-pocket costs.
Comprehensive Coverage
Fill the gaps in Original Medicare coverage for more complete protection against healthcare costs.
Medigap Plan Types
Medigap plans are standardized and labeled A through N, each offering different levels of coverage to meet your needs and budget.
Plan F (High Deductible)
- Covers 100% of Medicare deductibles, copays, and coinsurance
- Includes foreign travel emergency coverage
- High deductible option available for lower premiums
Plan G
- Covers most Medicare costs except Part B deductible
- Often lower premiums than Plan F
- Includes foreign travel emergency coverage
Plan N
- Lower premiums with some cost-sharing
- Small copays for office visits and ER visits
- Good balance of coverage and affordability
Plan A
- Basic coverage with lower premiums
- Covers Part A coinsurance and hospital costs
- Good option for those on a budget
How to Choose the Right Medigap Plan
Follow these steps to find the Medigap plan that best fits your healthcare needs and budget.
Assess Your Coverage Needs
Consider how much coverage you want and what you're willing to pay out-of-pocket versus in monthly premiums.
Compare Plan Benefits
Review standardized plan benefits to understand what each plan covers and what costs you'll still have.
Shop Around
Compare premiums from different insurance companies since benefits are standardized but prices vary.
Frequently Asked Questions
Get answers to common questions about Medigap plans.
Frequently Asked Questions
Ready to Explore Medigap Plans?
Our licensed agents can help you compare available Medigap plans and find the coverage that fits your needs and budget.