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Understanding the Benefits of Supplemental Medicare Insurance

Four important points to help you choose!

1 Medigap.com is FREE to Use

Medigap.com is FREE to Use

It doesn't cost anything to get a quote and there is no obligation to apply!

2 We help you save time

We help you save time

Compare your Medicare options in just a few minutes.

3 Plan recommendation

Plan recommendation

We recommend the perfect plan based on your location, income, and more.

4 Talk to a U.S. based, licensed expert

Talk to a U.S. based, licensed expert

Our licensed insurance agents will help you find a plan that meet your financial and medical needs.

Frequently Asked Questions

Have questions? We’ll help you understand

Have Questions? We’ve got YOU COVERED!

When you become eligible for Medicare, you'll enroll in Parts A & B. Medicare covers most of your basic hospital and doctor expenses, respectively. Unfortunately, "most" does not mean "all". The expenses which Medicare does not cover - sometimes referred to as "gaps" in coverage - are what Medigap insurance protects you from. Medigap, or Medicare Supplements, is a private plan designed to fill in the gaps in Original Medicare coverage.

You, as a consumer, have a variety of options. While some prefer to look up nearby agents, the truth is that you'll get the best deal by doing your research and shopping around online. With the power of the internet, you can get more and better offers from several major companies who are all competing for your business.

You could contact each and every individual agency by yourself and spend hours filling out the same redundant online forms for quotes, or you can let us do all of the busy work for you. Compare Medicare plans by state or by the carrier. Simply fill out our online quote form today.

Anyone who's eligible for Medicare and enrolled in Part A & Part B is eligible for Medigap insurance. Once you're Part B goes into effect, or you know your Part B effective date, you can enroll in a Medigap plan.

Medigap plans make you're out of pocket medical costs predictable. Giving you peace of mind knowing your finances are protected from unexpected medical bills. With Medigap plans, you'll only have to worry about the monthly premium. The costs outside your monthly premium are very minimal. Your cost-sharing could even be zero depending on the letter plan you enroll in.

The best time to enroll in a Medigap plan is during your Medigap Open Enrollment Period. This is a one-time 6-month enrollment window where you can enroll in any letter plan you choose without having to go through medical underwriting. Medigap plans do not come with an annual enrollment period. You can enroll in a plan at any time of the year. If you're outside your open enrollment window, you can still enroll. You'll just have to answer health questions during the enrollment process.

Medigap plans are standardized by the federal government. This means the benefits remain the same per letter plan regardless of what state you live in. The only states that have their own Medigap plans include Massachusetts, Wisconsin, & Minnesota. The only thing that changes from state to state is the monthly premium. You may pay more or less for the same benefits in one state compared to another. That's why it's important to work with a licensed Medicare agent. They can help compare all letter plans will all carriers in your area to get you the lowest premium without sacrificing benefits.

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How Medicare Works

Medicare is made up of four parts that you can choose from to fit your needs. Here’s an overview of how each of these parts work together.

<small>PART</small> A

PART A

Hospital & Inpatient

  • Hospital-related coverage
  • Emergency care
  • Skilled nursing
  • Home health services
  • Hospice
<small>PART</small> B

PART B

Doctors & Medical

  • Doctor's office visits
  • Laboratory services
  • Durable Medical Equipment
  • Mental health services
  • Outpatient and ambulatory services
<small>PART</small> C

PART C

Medicare Advantage

  • Lower monthly premium costs
  • Can only use in-network doctors and hospitals, and referred specialists
  • No coverage outside of local service area
  • Costs and coverage can change each year
<small>PART</small> D

PART D

Medicare Prescription Drug Coverage

  • Part A + Part D
  • Part A + Part B + Part D
  • Part A + Part B + Supplement + Part D
  • An Advantage plan that includes Part D
MEDIGAP

MEDIGAP

Also Called Medicare Supplements

  • Lower (or no) out-of-pocket costs
  • More choices in doctors, hospitals
  • Costs and coverage never change
  • Coverage while you travel

There are dozens of private carriers that offer Medicare plans you could choose from. At Medigap, we compare a select group of Medicare Advantage, Medicare Supplement, and Part D prescription drug plans for you at no cost. We do all the legwork, helping to save you time and money.

There are dozens of private carriers that offer Medicare plans you could choose from. At Medigap, we compare a select group of Medicare Advantage, Medicare Supplement, and Part D prescription drug plans for you at no cost. We do all the legwork, helping to save you time and money.

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