Full Medigap Solutions

Our main business is Medicare Supplements. Always has, always will be. We pride ourselves on staying up-to-date on the latest Medicare news so you don’t have to.

Medigap Plans A-D

Medigap plans A through D are supplemental insurance policies designed to fill the gaps in coverage left by Original Medicare (Parts A and B). Each plan provides varying degrees of coverage for out-of-pocket expenses such as deductibles, coinsurance, and copayments. While Plan A offers basic coverage, Plans B through D offer increasing levels of benefits, including coverage for skilled nursing facility coinsurance and foreign travel emergencies.

Primary Coverages

  • Medicare Part A coinsurance and hospital costs
  • Medicare Part B coinsurance or copayments
  • The first 3 pints of blood for a medical procedure
  • Hospice care coinsurance or copayments

Medigap Plan F

Medigap Plan F is one of the most comprehensive supplemental insurance plans available. With Plan F, beneficiaries typically have minimal to no out-of-pocket expenses when receiving covered medical services, providing peace of mind and financial security during retirement.

Primary Coverages

  • Medicare Part A deductible
  • Skilled nursing facility coinsurance
  • Medicare Part B deductible
  • Medicare Part B coinsurance or copayments
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Medigap Plan G

Medigap Plan G offers comprehensive coverage for out-of-pocket expenses associated with Original Medicare, excluding the Part B deductible. This plan provides financial security by covering Medicare Part A coinsurance and hospital costs, Part B coinsurance or copayments, and more, making it a popular choice for those seeking extensive coverage with predictable costs.

Plan G Coverages

  • Excess charges
  • Medicare Part A deductible
  • Medicare Part B coinsurance or copayments
  • Hospice care coinsurance or copayments

Medigap Plans K-N

Medigap plans K through N provide financial protection by covering a portion of Medicare Part A and B coinsurance, copayments, and deductibles, but with different levels of cost-sharing and benefits compared to more comprehensive plans like F and G. While they may have lower premiums, they typically require beneficiaries to pay more out-of-pocket when receiving healthcare services.

Primary Coverages

  • Out-of-pocket limit
  • Medicare Part A deductible
  • Foreign travel emergency coverage
  • Medicare Part B excess charges
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Common Medigap Questions

Where Can I buy medigap insurance?

The best time to buy a policy is during Medicare Open Enrollment. You first become eligible for Medicare at age 65.

What supplement plan is right for me?

Only you can decide what Medicare Supplement Plan is right for you. A licensed agent in our office can help you navigate your choices, but ultimately, only you can choose what’s right.

How much is medigap insurance?

The cost of your plan will depend greatly on which plan you choose. There are many plans including Plan F, G, N, Medicare Advantage as well as understanding and getting Part D for prescription drugs if you need them.  There are many supplement plans to choose from so pick a plan that is the right fit for your budget and needs.

Does it cost more to use an agent?

No, it does not cost you anything to come through our agency to help you with your Medicare and you will not pay more for the plan.