Medicare Supplement (Medigap)
Fill the Gaps in Original Medicare Coverage
More Predictable Healthcare Costs and Greater Peace of Mind
Medicare Supplement Insurance, also known as Medigap, helps pay many of the out-of-pocket costs that Original Medicare doesn't cover, such as deductibles, copayments, and coinsurance.
Medigap plans work alongside
Original Medicare (Parts A & B) and can provide greater financial protection and peace of mind.
✓ Helps reduce out-of-pocket costs
✓ Works with Original Medicare
✓ Freedom to see any Medicare-participating provider nationwide
As an independent Medicare advisor, I compare Medicare Supplement plans from multiple insurance companies to help you find the right fit for your needs and budget.
What Is a Medicare Supplement Plan?
A Medicare Supplement (Medigap) plan is private health insurance designed to help cover certain healthcare costs that Original Medicare doesn't fully pay.
Medigap plans are standardized by the federal government, meaning that plans with the same letter offer the same basic benefits, regardless of the insurance company offering them.
What Does a Medigap Plan Help Cover?
Depending on the plan you choose, Medigap may help pay for:
•Medicare Part A coinsurance and hospital costs
•Medicare Part B coinsurance or copayments
•Blood (first three pints)
•Skilled nursing facility coinsurance
•Hospice care coinsurance or copayments
•Medicare deductibles (certain plans)
Coverage varies depending on the Medigap plan you select.
What Doesn't a Medigap Plan Cover?
Generally, Medigap plans do not cover:
•Prescription drugs (Part D)
•Routine dental care
•Routine vision care
•Hearing aids
•Long-term custodial care
If you need prescription drug coverage, you'll usually enroll in a separate Medicare Part D plan
Your Costs
Your costs typically include:
Monthly Premium
You pay a monthly premium for your Medigap plan in addition to your Medicare Part B premium.
Out-of-Pocket Costs
Depending on the Medigap plan you choose, many Medicare deductibles, copayments, and coinsurance costs may be reduced or covered.
Premiums vary based on factors such as your age, location, insurance company, and plan selected.
Doctor Access
One of the greatest advantages of a Medicare Supplement plan is the freedom to see any doctor, specialist, or hospital in the United States that accepts Medicare.
With Original Medicare and a Medigap plan, you can generally see any doctor, specialist, or hospital in the United States that accepts Medicare, without network restrictions or referrals.
This is a popular option for people who:
•Travel frequently within the United States.
•Want broad access to healthcare providers.
•Prefer flexibility when choosing doctors and hospitals.
Why Choose a Medicare Supplement Plan?
A Medicare Supplement plan may be a good choice if you:
✔ Want more predictable healthcare costs.
✔ Prefer fewer unexpected medical bills.
✔ Travel frequently throughout the United States.
✔ Want the freedom to see any Medicare-participating provider.
✔ Are comfortable paying a monthly premium for greater financial protection.
When Should You Enroll?
The best time to purchase a Medicare Supplement plan is during your Medicare Supplement Open Enrollment Period, which begins when you're both:
•Age 65 or older, and
•Enrolled in Medicare Part B.
During this period, you generally have guaranteed issue rights, meaning insurance companies typically cannot deny coverage or charge more because of your health.
Frequently Asked Questions
Do I need Original Medicare to enroll in a Medigap plan?
Yes. Medigap plans work with Original Medicare (Parts A & B) and cannot be used with a Medicare Advantage plan.
Can I have both a Medicare Advantage plan and a Medigap plan?
No. You generally cannot use a Medicare Supplement plan and a Medicare Advantage plan at the same time.
Do all Medigap plans offer the same benefits?
Plans with the same letter provide the same standardized basic benefits, regardless of the insurance company. Premiums and customer service may vary by carrier.
Does Medigap include prescription drug coverage?
No. You'll typically need a separate Medicare Part D plan for prescription drug coverage.
Can I switch Medigap plans later?
In many cases, yes. However, outside certain guaranteed issue situations, you may be subject to medical underwriting depending on your state and circumstances.
Meet Your Independent Medicare Advisor
Derene Derricotte
Understanding your Medigap options doesn't have to be confusing. As an independent licensed Medicare advisor, I help individuals turning 65 compare plans from multiple insurance companies so they can make informed decisions with confidence. My goal is to educate—not pressure—and provide personalized guidance before, during, and after enrollment.
Choosing the right Medicare Supplement plan doesn't have to be confusing.
Why Choose Derene Derricotte?
✔ Independent Licensed Medicare Advisor
✔ Compare Medicare plans from multiple leading insurance companies
✔ Personalized one-on-one guidance
✔ Complimentary Medicare plan reviews
✔ Support before, during, and after enrollment
✔ Local, personalized service with access to nationwide carriers
Compare Plans from Leading Insurance Companies
As an independent Medicare advisor, I work with many well-known Medicare Supplement insurance companies. I'll help you compare benefits, premiums, and pricing so you can choose the plan that best fits your healthcare needs and budget.
Have questions about Medicare?
Schedule your complimentary Medicare review today.
Medicare Supplement Enrollment Timeline
3 months before your 65th birthday – Start exploring your options.
•Compare Medicare options.
•Check if your doctors participate.
•Review prescription drug coverage.
Month of your 65th birthday – Enroll
•Enroll if needed.
•Make sure your coverage begins on time.
3 months after – Initial Enrollment Period ends.
•Your Initial Enrollment Period ends.
•Missing this deadline may result in penalties.
FREE Medicare Guide
Download my FREE 4-page Medicare Guide to learn how Medicare works, avoid costly mistakes, and understand your coverage options before you enroll.
Common Medicare Mistakes to Avoid
•Missing your Initial Enrollment Period
•Assuming Medicare covers everything
•Not reviewing prescription drug coverage
•Keeping employer coverage without understanding Medicare rules
•Choosing a plan based only on premium
•Not checking if your doctors participate
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Medicare Disclaimer
We do not offer every plan available in your area. Any information we provide is limited to the plans we offer. Please contact Medicare.gov, 1-800-MEDICARE, or your local Medicare office to get information about all of your Medicare options.