Original Medicare covers a lot—but not everything. You’re still responsible for deductibles, coinsurance, and other out-of-pocket costs.
Medicare Supplement Insurance (also called Medigap) helps fill those gaps—so you don’t get hit with surprise bills after a hospital stay or doctor visit.
🛡️ Nationwide coverage without networks.
✅ What Medigap Covers
- Medicare Part A deductibles and coinsurance
- Medicare Part B copayments and excess charges
- Skilled nursing facility coinsurance
- Foreign travel emergency coverage (on some plans)
It pays after Medicare does—so you can worry less about what’s not covered.
🔍 How Medigap Works
- You stay on Original Medicare (Parts A & B)
- You add a Medigap plan from a private insurer
- Medicare pays first, then Medigap pays its share
- You pay a monthly premium for your Medigap plan
- You can see any doctor or hospital that accepts Medicare—no networks!
🧭 Who Should Consider Medigap?
It’s a great fit if you:
- Prefer nationwide freedom of choice
- Travel frequently or live part of the year in another state
- Don’t need extra benefits like dental or vision
- Want predictable costs and minimal surprises
- Are willing to buy Part D separately for prescription coverage
⚠️ What Medigap Does Not Cover
- Prescription drugs (you’ll need a separate Part D plan)
- Dental, vision, or hearing
- Long-term care or routine foot care
Also: Medigap only works with Original Medicare—not with Medicare Advantage.
👥 How We Help
- Compare all Medigap plans (A–N) side-by-side
- Explain the differences between plans and pricing
- Check state-specific rules and enrollment deadlines
- Coordinate Medigap with your Part D drug plan
- Make sure your total coverage fits your health, travel, and budget needs
📞 Let’s Talk Coverage
Not sure if Medigap or Medicare Advantage is right for you?
We’ll help you compare and choose with confidence.
👉 Schedule a Free Medicare Review or call 904-295-8498.