Medicare Supplement (Medigap) Plans
Medicare Supplement plans, also called Medigap, help cover the out-of-pocket costs that Original Medicare doesn’t pay—like copayments, coinsurance, and deductibles. These plans give you greater predictability and peace of mind.
Bridge the Gaps in Original Medicare
Original Medicare (Parts A and B) covers a lot, but it doesn't cover everything. That's where a Medicare Supplement plan comes in. Also known as Medigap, these plans are sold by private insurers and work alongside your Original Medicare to reduce or eliminate many of the out-of-pocket expenses.
Medigap plans are standardized, meaning the coverage is the same no matter which insurance company offers it—what varies is the price and customer service. We help you compare options, explain what each plan covers, and choose the one that best fits your medical needs and financial goals.
Why Choose a Medigap Plan?
Predictable Costs
Helps you budget with fewer surprises by covering deductibles, copays, and coinsurance from Original Medicare.
Nationwide Coverage
Use any doctor or hospital that accepts Medicare anywhere in the country—no network restrictions.
Freedom to Choose
With multiple plan types (like Plan G or Plan N), we’ll help you find the right balance of coverage and cost.
Frequently Asked Questions
What’s the difference between Medigap and Medicare Advantage?
Medigap works with Original Medicare to cover out-of-pocket costs. Medicare Advantage replaces Original Medicare with a private plan that may include extra benefits.
Can I have both a Medigap and Medicare Advantage plan?
No, you must choose one or the other. We can help you compare both and decide which makes more sense for you.
What are the most popular Medigap plans?
Plans G and N are the most popular due to their strong coverage. We’ll help you compare features, premiums, and savings.
Is prescription drug coverage included in Medigap?
No. You’ll need to enroll separately in a Medicare Part D plan for prescription drug coverage.
When is the best time to enroll in a Medigap plan?
The best time is during your Medigap Open Enrollment Period (the six months after you turn 65 and enroll in Medicare Part B). During this time, you can’t be denied coverage or charged more due to pre-existing conditions.
Medicare Help
Take the Guesswork Out of Your Medicare Costs
If you want the flexibility of Original Medicare and the security of lower out-of-pocket expenses, a Medigap plan could be right for you. We work with clients in Richmond, Centerville, Cambridge City, and Connersville to compare Medicare Supplement options and enroll with confidence.