Medicare Supplement (Medigap)
What Is a Medicare Supplement (Medigap)?
A Medicare Supplement plan (also called Medigap) helps pay the out-of-pocket costs that Original Medicare does not cover.
It works with:
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Original Medicare Part A (hospital)
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Original Medicare Part B (medical)
Medigap fills the gaps like deductibles, copays, and coinsurance. Medigap does NOT replace Medicare — it supplements it.
Freedom of Choice – The #1 Selling Point With Medigap, you can see any doctor or hospital nationwide that accepts Medicare. No networks, no referrals, no prior authorizations. This is the #1 reason people choose Medigap.
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Standardized Plans: Plan G is the same coverage no matter the carrier. Differences are price, rate increases, and service.
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Predictable Costs: Generally higher premiums than Medicare Advantage, but lower out-of-pocket surprises.
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Best Enrollment Time: Your 6-month Medigap Open Enrollment Period starting at age 65 offers guaranteed issue and best pricing.
Depending on the plan letter (A, G, N, etc.), Medigap may help cover Part A hospital deductible, Part A coinsurance, Part B coinsurance (typically 20%), skilled nursing coinsurance, hospice coinsurance, and emergency foreign travel.
At Seniors Insurance Hub, we believe your health coverage should come with financial predictability. That’s why we specialize in Medicare Advantage Prescription Drug (MAPD) plans. These “all-in-one” plans replace open-ended costs with fixed, manageable copays, so you always know what to expect.
Who Is Medigap Best For?
Medicare Supplement plans are ideal for seniors who value flexibility and predictable costs. If you travel frequently, have chronic conditions, or simply want peace of mind with your healthcare expenses, Medigap may be right for you.
