Fill the Gaps, Enhance Your Coverage with Medigap Insurance

Medicare covers a lot, but not everything. Medigap ensures you're fully protected from unexpected healthcare costs so you can enjoy life without the worry of medical bills.

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What Exactly is Medigap Insurance?

Medicare leaves gaps in your coverage — gaps that can lead to high out-of-pocket expenses. Medigap is designed to cover those gaps, offering a reliable safety net to protect you from unexpected medical costs.

Fills the Gaps

Medigap plans provide critical coverage where Medicare leaves off. By covering deductibles, coinsurance, and co-payments, these policies ensure you aren’t left exposed to unexpected medical costs.

Seamless Integration

Medigap works harmoniously with your Original Medicare. Once enrolled in Medicare Part A and Part B, your Medigap policy automatically picks up where Medicare falls short — offering true, uninterrupted coverage.

Guaranteed for Life

As long as premiums are paid, your Medigap policy is guaranteed renewable. This means your coverage continues year after year, safeguarding you against rising healthcare costs over time.

Why Choose Medigap?

Your health is priceless, but it doesn’t have to be expensive. Medigap provides the stability, predictability, and coverage you need to protect your future.

Plan CustomizationChoose a plan tailored to your needs, ensuring you only pay for what you value most.
Predictable CostsTurn surprise bills into predictable monthly premiums and enjoy financial peace of mind.

Freedom to ChooseEnjoy the freedom to visit any healthcare provider that accepts Medicare — no need to worry about staying "in-network."
Portable CoverageYour Medigap policy travels with you across the U.S., ensuring coverage wherever you go.
Hassle-Free EnrollmentWe make signing up for Medigap simple and straightforward, making it easy for you to secure the coverage you need without unnecessary steps.
Lifelong RenewabilityStay covered year after year, as long as premiums are paid — no surprises, just reliable protection.

Medigap vs. Medicare Advantage

Medigap and Medicare Advantage both help with your healthcare costs, but they do so in different ways. Here’s a simple comparison to help you decide the best options for you.

Medigap


• Works alongside Medicare, covering the gaps in Original Medicare.

• Helps with out-of-pocket costs such as coinsurance, deductibles, and co-pays.

• You choose any doctor or hospital that accepts Medicare.
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Medicare Advantage


• Private plans that replace Medicare Part A and Part B.

• May include extra benefits like vision or dental.

• Limited to a network of doctors and hospitals.
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How to Get Started with Medigap

Getting Medigap coverage isn’t rocket science (thankfully). We’ve made it straightforward.

  • Assess Your NeedsFigure out where Medicare is leaving you short—then let us help you fill the gaps.
  • Browse Your OptionsFrom budget-friendly plans to premium protection, we’ll help you find your perfect fit.
  • Talk to a HumanOur expert agents speak human, not jargon. We’ll guide you through every step.
  • Start Living ConfidentlySay goodbye to surprise bills and hello to healthcare peace of mind.
  • Speak to an Expert
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    Medigap FAQs

    We know navigating Medigap and insurance in general can feel overwhelming. Here’s a quick guide to help you find answers and useful resources.

    What does Medigap cover?


    Medigap supplements Original Medicare by covering costs like deductibles, co-pays, and coinsurance. It doesn’t cover prescription drugs (that’s Medicare Part D).

    Can I keep my doctor?


    Yes! With Medigap, you can visit any doctor or hospital that accepts Medicare, without worrying about networks.

    How do I compare plans?


    Each Medigap plan (A-N) offers different levels of coverage. Plan G, for example, is popular for covering almost all out-of-pocket expenses. Contact one of our expert agents and we'll be happy to discuss your options.

    When can I enroll?


    The best time to enroll is during your Medigap Open Enrollment Period, a six-month window starting when you turn 65 and enroll in Medicare Part B.

    Are Medigap premiums tax-deductible?


    In certain cases, yes. Consult a tax advisor to confirm for your specific situation.

    Additional Medigap Resources:


    Social Security Administration (SSA):
    https://www.ssa.gov/medicare

    National Council on Aging (NCOA):
    https://www.ncoa.org/

    State Health Insurance Assistance Program (SHIP) – Free Counseling Services
    https://www.shiphelp.org/

    Medicare.gov – What Medigap Covers
    https://www.medicare.gov/
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