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Medicare Supplement Insurance (Medigap)

Medicare Supplement insurance works alongside Original Medicare to help pay certain out-of-pocket costs, such as copayments, coinsurance, and deductibles. It can provide predictable coverage and broad provider access for people who prefer Original Medicare.

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The essentials

How this coverage works

You need Medicare Parts A and B before buying a Medigap policy.

Standardized plans are identified by letters (examples: Plan G or Plan N). The same letter provides the same basic benefits regardless of the insurance company, although premiums can differ.

Policies sold after 2005 do not include prescription drug coverage, so you will most likely need a separate Part D plan.

Medigap is not the same as Medicare Advantage, and you cannot use both at the same time.

Look beyond the headline

What deserves a careful comparison

The details below can make a meaningful difference in your access, costs, and experience.

Monthly premium

Compare the premium today and consider how the company’s rates may change over time.

Plan letter

Compare the same standardized plan letter across companies so the pricing comparison is meaningful.

Enrollment timing

Your Medigap Open Enrollment Period and any guaranteed-issue rights can affect your choices.

Company details

Review financial strength, household discounts, service, and the exact policy provisions.

Personal, independent guidance

How Sean helps you compare

Instead of starting with an insurance company, we start with you. The goal is a clear decision you understand—not a rushed enrollment.

  1. 01

    Understand your timing

    We’ll identify your Medicare effective dates and whether special enrollment protections may apply.

  2. 02

    Choose benefits to compare

    We’ll discuss the standardized plan letters that deserve a closer look for your needs.

  3. 03

    Compare available companies

    We’ll review premiums, discounts, underwriting rules, and important company differences.

  4. 04

    Coordinate Part D

    If appropriate, we’ll also review separate prescription drug coverage using your medications and pharmacies.

Helpful answers

Questions people often ask

These answers provide a starting point. Plan availability and rules can vary by location and situation.

Read Medicare.gov’s Medigap overview
Can I use a Medicare Supplement plan with Medicare Advantage?

No. Medigap supplements Original Medicare. It cannot be used to pay Medicare Advantage copayments, deductibles, or premiums.

Are all Medicare Supplement companies the same?

The basic benefits of the same standardized plan letter are the same, but premiums, discounts, customer service, underwriting, and rate history can differ.

Does Medicare Supplement include prescriptions?

Medigap policies sold after 2005 do not include prescription drug coverage. Most people who choose Original Medicare and Medigap consider a separate Part D plan.

When is the best time to enroll?

Your federal Medigap Open Enrollment Period generally lasts six months beginning when you are 65 or older and enrolled in Part B. Other rights may apply depending on your circumstances and state.

Can I start off with an Advantage plan, and switch to a Supplement plan a few years later?

Possibly, but you will most likely have to go through underwriting health questions, and might get denied.

Explore the other primary choices

Medicare AdvantagePart D Drug Coverage

Questions are welcome

Let’s make Medicare feel manageable.

A short conversation can help you understand which details deserve your attention.

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