Medicare Supplement
Fill the gaps left by Original Medicare. Medigap plans help pay for your deductibles, copayments, and coinsurance, so you face no unexpected healthcare expenses.
Compare Medigap PlansWhat is a Medicare Supplement (Medigap) Plan?
Medicare Supplement insurance policies, commonly called **Medigap**, are sold by private insurance companies to fill the \"gaps\" in Original Medicare (Part A and Part B).
Original Medicare generally covers about 80% of your outpatient medical costs, leaving you responsible for the remaining 20%, along with deductibles, copays, and coinsurance. A Medigap policy pays after Medicare pays its share, protecting you from potentially catastrophic medical bills.
Standardization
Medigap plans are standardized by the government and labeled with letters (Plans A through N). This means that a Plan G offered by one carrier provides the exact same medical benefits as a Plan G offered by another carrier. The main differences are monthly premiums and customer service.
Popular Medigap Plan Choices
While there are 10 standardized plan options, Plan G and Plan N are the most popular choices for new Medicare beneficiaries.
Covers 100% of Medicare gaps (Part A deductible, copays, coinsurance, and foreign travel emergencies) once you pay the Part B annual deductible.
Offers lower monthly premiums in exchange for small copays (up to $20 for office visits and up to $50 for emergency room visits). You also pay Part B excess charges.
Key Benefits of a Supplement Policy
No Network Restrictions
See any doctor, specialist, or hospital in the country who accepts Medicare patients. No referrals or prior approvals are required.
Guaranteed Renewable
As long as you pay your premiums on time, the insurance company cannot cancel your policy or change your coverage due to health conditions.
Predictable Healthcare Costs
With plans like Plan G, almost all your out-of-pocket Medicare expenses are covered, making your monthly healthcare budget completely predictable.
Coverage Travels With You
Covered anywhere in the United States. Many Medigap plans also include coverage for foreign travel emergency medical care.
Important: Medigap Open Enrollment Period
The best time to buy a Medigap policy is during your **6-month Medigap Open Enrollment Period**. This period begins automatically the month you turn 65 and are enrolled in Medicare Part B.
During this window, you have a \"guaranteed issue right\" to buy any Medigap policy sold in Florida, regardless of pre-existing health issues. The carrier cannot deny you coverage or charge you a higher premium due to medical conditions.
Compare Medigap Premium Rates
Because Medigap benefits are identical across carriers, the main difference is the price. I can help you compare premium rates from top carriers in Florida, ensuring you pay the lowest price for the exact same Plan G or Plan N coverage.