Medicare Supplement Plans
Medigap plans work alongside Original Medicare to pay the "gaps" — deductibles, copays and coinsurance — so your out-of-pocket costs are predictable and you keep the freedom to see any doctor that accepts Medicare.
Fill the gaps, keep your freedom
A Medicare Supplement (Medigap) policy is sold by private insurers to pair with Original Medicare (Parts A & B). It picks up much of what Medicare doesn't pay, and because it isn't network-based, you can see any provider nationwide that accepts Medicare — no referrals.
- See any doctor or hospital that accepts Medicare — no networks
- Predictable, stable out-of-pocket costs
- No referrals needed for specialists
- Coverage travels with you anywhere in the U.S.
- Standardized plans (like Plan G & Plan N) — same benefits, different prices
A Supplement may fit if…
You want maximum freedom
You travel or want to see specialists and top hospitals without network restrictions or referrals.
You value predictability
You prefer paying a steady monthly premium so medical bills rarely surprise you.
You want stable coverage
You want a plan whose benefits don't change year to year the way Advantage plans can.
Pair with a Part D plan
Medigap doesn't include prescription coverage, so most clients add a standalone Part D plan. We handle both together. See Prescription Drug Plans →
Compare Medigap plans the smart way
Same Plan G is the same Plan G — the price is what differs. Our 3-Step Medicare Risk Audit benchmarks the plans we offer so you can find a competitive rate.