Medicare Supplement (Medigap)
What Is Medigap?
Medicare Supplement Insurance — often called Medigap — is designed to fill the “gaps” in Original Medicare. While Medicare Part A and Part B cover a lot, they don’t pay for everything. That’s where Medigap comes in.
These plans help pay for things like:
Copayments
Coinsurance
Deductibles
Think of Medigap as a safety net that works alongside Original Medicare, giving you more complete coverage and fewer surprise bills.
How Medigap Helps You.
Medigap plans are offered by private insurance companies but are standardized by the government — meaning the benefits are the same no matter which carrier you choose. What changes is the cost, customer service, and reputation of the company.
Here’s what you get with Medigap:
Freedom to see any doctor or hospital that accepts Medicare, nationwide.
Coverage that travels with you — great for snowbirds or frequent travelers.
Predictable out-of-pocket costs for peace of mind.
Why People Choose Medigap.
A Medigap plan may be the right fit if you:
Want to reduce or even eliminate surprise medical bills.
Prefer the flexibility to see specialists without referrals.
Travel often and need coverage that works across state lines.
Value stability and predictable healthcare costs.
Don’t want the limits of a network — you can see any doctor nationwide who accepts Medicare.
For many people, Medigap means peace of mind — knowing Medicare plus your supplement work together to keep you covered.
Why Work With Me, Your Local Advisor.
Medigap is all about filling the gaps Original Medicare leaves behind. My job is to simplify your choices and show you where a Medigap plan could add real value:
Break down the differences between each Medigap letter plan (A, G, N, etc.) so you can pick without confusion.
Compare pricing across multiple carriers to save you money for the same coverage.
Help you decide if a Medigap plan is a smarter long-term fit than Medicare Advantage.
With me, you’ll get independent advice focused on protecting you from surprise bills — so you can feel secure in your retirement.