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Medicare Supplement Plans – Medigap Program

Find the best Medicare supplemental programs within your area

“We do not offer every plan available in your area. Currently, we represent 9 organizations offering 138 products across all areas. Don’t hesitate to get in touch with medicare.gov, 1-800-MEDICARE, or your State Health Insurance Program (SHIP) to get information on all your options.”

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What is Medicare Supplement?

Medicare Supplement Insurance (Medigap) is extra insurance you can buy from a private health insurance company to help pay your share of out-of-pocket costs in Original Medicare. Generally, you must have Original Medicare — Part A (Hospital Insurance) and Part B (Medical Insurance) — to buy a Medigap policy.

What Is Supplemental Medicare Or Medigap?

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Learn what Medigap covers, how it works, and general costs.

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The Different Medicare Plan Types Compared

Recommended For
Who do I pay?
Can I go to any doctor?
Where can I get routine (non-emergency) care?
Where can I get emergency care?
Will I need a referral to see a specialist
Is there a limit to my out-of-pocket spending?
Will it pay for extras, like vision and hearing aids?
Medicare A/B
Affordable Basic Option
Part B premiums, deductibles, and coinsurance. Most people would be better off applying for the medicare savings program and selecting a dual snips plan to the right. The dual snip plans may cover some or most premiums you might pay for just Original Medicare / Medicare A & B.Example: For a lengthy Hospital stay you could be responsible for over $50,000 in Medical Bills
Yes, if they accept Medicare but you must satisfy the deductible and 20% coinsurance
Anywhere in the country but you must satisfy deductible
Anywhere in the country but you must satisfy deductible
No
No
Maybe, depending on the plan
Medicare Advantage
Better For People With Low/Average Income
Medicare premiums and plan premium; your plan sets its own copays and deductibles Example: For a lengthy Hospital stay you could be responsible for over $6,000 ANNUALLY plus your monthly premiums
HMO; No, you must go to in-network providers - PPO; Yes
Most plans are restricted to your living area
Anywhere in the country
HMO; Usually - PPO; No
Yes, but YOUR Annual OUT OF POCKET MAX may be as high as $6,000
Maybe, depending on the plan
Dual Snip / Medicare & Medicaid / Medi-Medi
Better For People With Low/Very Low Income
It would depend on the level of the Medicaid or medicare savings program you may qualify for. Example: For a lengthy Hospital stay you may be only responsible for $0.00 - $1000 because the plans may be much richer in benefits than your normal advantage plan.
HMO; No, you must go to in-network providers - PPO; Yes
Most plans are restricted to your living area
Anywhere in the country
HMO; Usually - PPO; No
Yes, depending on the level of the medicare savings program you qualify for it could be ZERO
Maybe, depending on the plan
Medicare Supplement
Better For People With High Income
Medigap premiums, Part B premiums, generally no copayment Example: For a lengthy hospital stay you could have $0.00 to pay out of YOUR OWN POCKET after monthly premiums are met. Medicare Supplement premiums may buy a high out-of-pocket cost dependent upon your living area.
Yes, if they accept Medicare
Anywhere in the country
Anywhere in the country
No, unless you have a Medicare SELECT plan
Yes

These Are Medicare Plan Handbooks

Medicare & you 2025

Medicare And You 2026

Request the official Medicare & You handbook along with a free Medicare plan review with a licensed agent.

See The Handbook
Medigap Guide 2024

Medigap Policies

Request the official Medigap handbook along with a free Medicare plan review with a licensed agent.

See The Handbook

Accepted With A Medicare Supplement Plan?

Medicare Supplement
Better For People With High Income
What do I pay?
Medigap premiums, Part B premiums, generally no copayment Example: For a lengthy hospital stay you could have $0.00 to pay out of YOUR OWN POCKET after monthly premiums are met. Medicare Supplement premiums may buy a high out-of-pocket cost dependent upon your living area.
Can I go to any doctor?
Yes, if they accept Medicare
Where can I get routine (non-emergency) care?
Anywhere in the country
Where can I get emergency care?
Anywhere in the country
Will I need a referral to see a specialist?
No, unless you have a Medicare SELECT plan
Is there a limit to my out-of-pocket spending?
Yes

Medicare Supplement Plan Guide

Medigap 2024 Large

What Is The Medicare Savings Program?

Medicare Savings Programs (MSP) are federally funded programs administered by each individual state. These programs are financial assistance programs that help pay some or all of your Medicare premiums, deductibles, copayments, and coinsurance.

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What is the LIS Program for Prescription Drugs?

The Low Income Subsidy (LIS) helps people with Medicare pay for prescription drugs, and lowers the costs of Medicare prescription drug coverage.  We have worked in the community for 20 years helping people qualify for all types of Medicare Savings Programs.

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Find Quotes From Our Trusted Carriers And Get Health Coverage That Fits Your Needs Or Call A Specialized Health Insurance Agent at ( 1-800-633-4227 )

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