Medicare Supplement (Medigap)
Fill the gaps in Original Medicare and keep your choice of doctors.
What Medigap does
Original Medicare pays a large share of your costs, not all of them. Medicare Supplement plans, sold by private insurers, help pay deductibles, coinsurance and copayments.
Key features
- See any doctor or hospital in the U.S. that accepts Medicare
- No networks or referrals
- Standardized plan letters (such as Plan G and Plan N), so benefits are the same across insurers
- Predictable out-of-pocket costs
Timing matters
Your Medigap Open Enrollment Period lasts six months, starting the month you are 65 or older and enrolled in Part B. During it, insurers cannot deny you or charge more for health conditions. Later, you may face medical underwriting.
Drug coverage
Medigap does not cover prescriptions. Most people pair it with a stand-alone Part D plan.
Compare insurers
Benefits are standardized, but premiums are not. We compare what companies in your area charge for the same plan.
Not sure which plan fits? Let us compare them for you.
There is no cost to talk it through. We will review your doctors, prescriptions and budget, then explain your options in plain English.