Turning 65 and want to keep your own doctors, with no networks or surprise bills?
A Medicare Supplement plan fills the gaps Original Medicare leaves behind — predictable costs, no referrals, and the freedom to see any doctor who accepts Medicare, nationwide. We’ll help you compare plans in plain English and find the one that fits your health and your budget.
Three ways to fill Medicare's gaps
Original Medicare (Parts A & B) doesn’t cover everything. Here’s how people typically close that gap — and where we come in.
- Original Medicare Alone
Just Parts A & B
You keep Original Medicare with no supplement. You pay 20% coinsurance and deductibles out of pocket with no annual cap — the least predictable option, but the lowest monthly cost.
- Not something we offer
Medicare Advantage (Part C)
A private plan that replaces Original Medicare entirely, usually with a network of doctors and often a $0 premium. We don’t sell Advantage plans — if that’s the direction you want, a licensed Advantage broker can help.
- Our Specialty
Original Medicare + Medigap
You keep Original Medicare exactly as it is, and a Medicare Supplement plan pays some or all of what’s left over — coinsurance, deductibles, hospital costs. Any doctor who takes Medicare, nationwide, no referrals.
What a Medicare Supplement plan actually solves
Four things people consistently tell us they wanted once they made the switch.
Know roughly what you’ll pay every month — no surprise bills after a hospital stay or a bad diagnosis.
No networks to check. If a provider accepts Medicare, you can see them — in-state or while traveling.
See a specialist directly, whenever you need to, without a gatekeeper approving it first.
Once you’re enrolled, your plan doesn’t change carriers’ networks or benefit rules on you each year.
Compare Medicare Supplement Plans, Side by Side
Medigap plans are standardized by the federal government — Plan G from one carrier covers exactly the same benefits as Plan G from another. The only real difference between carriers is price. Here’s what each plan letter covers.
| Medigap Benefit | A | B | C | D | F* | G* | K | L | M | N |
|---|---|---|---|---|---|---|---|---|---|---|
| Part A coinsurance & hospital costs (up to 365 extra days) | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Part B coinsurance or copayment | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 50% | 75% | ✓ | ✓*** |
| Blood (first 3 pints) | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 50% | 75% | ✓ | ✓ |
| Part A hospice care coinsurance | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 50% | 75% | ✓ | ✓ |
| Skilled nursing facility coinsurance | — | — | ✓ | ✓ | ✓ | ✓ | 50% | 75% | ✓ | ✓ |
| Part A deductible | — | ✓ | ✓ | ✓ | ✓ | ✓ | 50% | 75% | 50% | ✓ |
| Part B deductible | — | — | ✓ | — | ✓ | — | — | — | — | — |
| Part B excess charge | — | — | — | — | ✓ | ✓ | — | — | — | — |
| Foreign travel emergency (up to plan limits) | — | — | 80% | 80% | 80% | 80% | — | — | 80% | 80% |
| Out-of-pocket limit** | N/A | N/A | N/A | N/A | N/A | N/A | $8,000 | $4,000 | N/A | N/A |
Note: Plans C & F aren't available if you became eligible for Medicare on or after January 1, 2020, with limited exceptions.
*Plans F and G also offer a high-deductible option in some states — you pay Medicare-covered costs out of pocket up to $2,950 (2026) before the plan pays anything.
**For Plans K and L, once you meet your out-of-pocket yearly limit and the yearly Part B deductible ($283 in 2026), the plan pays 100% of covered services for the rest of the calendar year.
***Plan N pays 100% of Part B coinsurance, except for a copay of up to $20 for some office visits and up to $50 for ER visits that don't result in admission.
Source: Medicare.gov (2026). Rates and figures shown are national program figures, not premiums — premiums vary by carrier, age, and location. We do not offer every plan available in your area. Contact Medicare.gov or 1-800-MEDICARE for details on all your options.
Same benefits, different price — that's where we help
Since every carrier’s Plan G covers exactly the same things, the only real decision left is which carrier offers the best rate, service record, and financial stability for you. That comparison is what we do — for free, with no obligation.
Since benefits are identical by law, we compare premiums and carrier track records so you don’t have to call around.
There’s never a fee for our support — we’re paid by the carrier you choose, not by you.
Missing your enrollment window can mean permanent penalties. We make sure you don’t miss it.
We stay in touch to review your coverage annually, not just at the point of sale.
Medigap, quickly explained
A few of the most common questions we get about Medicare Supplement plans specifically.
When can I enroll in a Medigap plan without health questions?
You have a one-time, 6-month Medigap Open Enrollment Period that starts the month you’re 65 or older and enrolled in Part B. During this window, you can enroll in any Medigap plan sold in your area without being denied or charged more for health conditions. After it closes, you can still apply anytime, but you’ll typically go through medical underwriting.
Can I switch from Medicare Advantage to a Medigap plan?
Yes, but you’ll generally need to go through medical underwriting unless you qualify for a specific exception (like moving out of your Advantage plan’s service area). Give us a call and we can walk through your specific situation.
Does a Medigap plan cover prescription drugs?
No — Medigap plans don’t include prescription drug coverage. You’ll need a separate stand-alone Part D plan alongside your Medigap plan. We can help you understand that piece too, or see our Medicare Costs page for current Part D premium ranges.
Will my premium go up as I get older?
Yes, your insurance premium will almost certainly go up over time, but why and how much it goes up depends entirely on the carrier’s pricing model. Even though two insurance companies might offer the exact same standardized plan letter, their underlying rating structures handle aging and inflation differently. This is exactly the kind of thing we walk through with you before you enroll.
Not sure which Medigap plan fits your situation?
A quick call is all it takes to compare your options and find a plan that fits your health and your budget — no pressure, no obligation.