Medicare Supplement (Medigap) Plans

How Medicare Supplement Works

Medicare Supplement plans (also called Medigap) work alongside Original Medicare. Original Medicare pays first, then your Supplement plan pays most or all of what Medicare doesn’t cover — deductibles, copays, and coinsurance.

The result is very predictable healthcare costs: a stable monthly premium and very little (often nothing) out-of-pocket when you actually use care.

Why People Choose Medicare Supplement

Predictable Costs

You know what you’ll pay each month. There’s no guessing about copays at every visit or worrying about hitting an out-of-pocket maximum. For people on a fixed income who want to budget confidently, that predictability is huge.

Doctor Flexibility

Supplement plans don’t use networks. You can see any doctor in the U.S. who accepts Medicare. That’s a huge advantage if you travel, split time between states, or have a specialist out of area.

Nationwide Acceptance

Because Original Medicare is accepted everywhere, your Medicare Supplement plan effectively works everywhere too. Travel without worrying about whether your healthcare goes with you.

No Referrals Needed

You don’t need a primary care doctor to refer you to a specialist. See whoever you want, whenever you need to.

Plan Letters — What’s the Difference?

Medicare Supplement plans are standardized by federal law and labeled by letter (Plan G, Plan N, Plan F for those eligible, etc.). Plans with the same letter cover the same things, no matter which insurer sells them — the only differences are the premium and the company’s service.

The most popular plans for new enrollees today are Plan G and Plan N. We’ll walk through which fits your situation best and shop multiple carriers to find the lowest price.

Important: Add a Part D Drug Plan

Medicare Supplement plans don’t include prescription drug coverage. If you choose a Supplement, you’ll typically pair it with a standalone Part D plan. We’ll handle this in the same conversation.