Medicare Supplement Insurance (Medigap)
Fill the gaps in Original Medicare. Predictable costs, any doctor, nationwide coverage.
Medicare Supplement Insurance — Freedom to Choose
Medigap gives you the freedom to see any doctor who accepts Medicare, anywhere in the country, with no network restrictions. With plans like Plan G covering nearly all out-of-pocket costs, you get predictable healthcare expenses.
Original Medicare Is Great — But It Doesn't Cover Everything
Original Medicare (Parts A & B) covers a lot — but it leaves you responsible for deductibles, copays, and 20% coinsurance with no out-of-pocket maximum.
That means a $100,000 hospital bill could leave you owing $20,000 or more. A single surgery, a cancer diagnosis, or an extended hospital stay can create devastating financial exposure.
Medicare Supplement (Medigap) insurance fills those gaps. It pays the costs Original Medicare doesn’t — giving you predictable expenses and peace of mind, no matter what happens.
And unlike Medicare Advantage, Medigap lets you see any doctor or hospital in the country that accepts Medicare. No networks. No referrals. No surprises.
What Medigap Covers That Original Medicare Doesn't
Part A Deductible
$1,676 per benefit period in 2025. Medigap Plans G, N, and others cover this completely.
Part B Coinsurance
The 20% coinsurance for doctor visits, outpatient care, and medical equipment — with no cap.
Skilled Nursing
Days 21–100 of skilled nursing facility care cost up to $204.50/day in 2025. Medigap covers the coinsurance.
Part A Hospital Costs
After day 60, you pay $419/day (days 61-90) and $838/day for lifetime reserve days. Medigap covers these.
Foreign Travel Emergency
Original Medicare doesn’t cover healthcare outside the U.S. Plans C, D, F, G, M, and N include emergency foreign travel coverage.
Excess Charges
Some doctors charge up to 15% above Medicare-approved amounts. Plans F and G cover these excess charges.
Plan G vs. Plan N: The Two Most Popular Choices
Plan F is no longer available to new Medicare enrollees (as of 2020). Plans G and N are now the go-to options:
| Feature | Plan G | Plan N |
|---|---|---|
| Part A Deductible | ✅ Covered | ✅ Covered |
| Part B Deductible ($257/yr) | ❌ You pay | ❌ You pay |
| Part B Coinsurance (20%) | ✅ Covered | ✅ Covered* |
| Part B Excess Charges | ✅ Covered | ❌ Not covered |
| Skilled Nursing Coinsurance | ✅ Covered | ✅ Covered |
| Foreign Travel Emergency | ✅ Covered | ✅ Covered |
| Office Visit Copay | None | $20 copay |
| ER Copay (not admitted) | None | $50 copay |
| Monthly Premium (avg) | Higher (~$150-250) | Lower (~$100-180) |
| Best For | Maximum coverage, predictable costs | Lower premiums, healthy & active |
*Plan N covers Part B coinsurance except for the small office/ER copays listed above.
When to Enroll: Timing Is Everything
Your Medigap Open Enrollment Period is the most important window in your Medicare journey. Here’s why:
✅ During Open Enrollment
6 months starting when you’re 65+ AND enrolled in Part B. Insurance companies MUST sell you any Medigap plan at the best available rate — regardless of health conditions. No medical questions. No denials. No waiting periods.
⚠️ After Open Enrollment
You can still apply, but companies can use medical underwriting — meaning they can charge more, exclude pre-existing conditions, or deny coverage entirely based on your health history. Don’t miss your window.
Why Get Medigap Through Senior Benefits Hub?
🔍 We Compare Multiple Carriers
Mutual of Omaha, Aetna, UnitedHealthcare, and more. Same standardized benefits — different prices. We find the lowest rate for the plan you want.
💰 Zero Cost to You
Our service is completely free. The premium is the same whether you go direct or use us — but you get personalized guidance included.
📋 Rate Analysis
We analyze premium rating methods (community-rated vs. attained-age) to find plans that will stay affordable long-term, not just today.
📞 We’re Here Every Year
Rate increase? Coverage question? We’ll review your plan annually and help you switch carriers if a better rate is available — no re-enrollment hassle.
Medicare Supplement: Frequently Asked Questions
What is Medicare Supplement (Medigap) insurance?
Medigap is private insurance that helps pay the out-of-pocket costs Original Medicare doesn’t cover — like deductibles, copays, and coinsurance. It works alongside Original Medicare, not instead of it.
How is Medigap different from Medicare Advantage?
Medigap supplements Original Medicare (you keep Parts A & B). Medicare Advantage replaces Original Medicare with a private plan. Medigap offers more doctor freedom and predictable costs but doesn’t include drug coverage or extras like dental/vision. You can’t have both simultaneously.
Which Medigap plan is best — Plan G or Plan N?
Plan G is the most popular because it covers almost everything — you only pay the Part B deductible ($257/year in 2025). Plan N has lower premiums but charges small copays for office visits ($20) and ER visits ($50). If you want maximum predictability, choose G. If you’re healthy and want lower premiums, N can save money.
When is the best time to buy Medigap?
Your Medigap Open Enrollment Period — the 6 months starting when you’re 65+ AND enrolled in Part B. During this window, insurers must sell you any plan at the best price regardless of health conditions. After this period, you may face medical underwriting and higher rates or denial.
Do Medigap plans cover prescription drugs?
No. Medigap plans do not include prescription drug coverage. You’ll need a separate Medicare Part D plan for medications. This is one of the key trade-offs vs. Medicare Advantage, which usually includes drug coverage.
Can I see any doctor with Medigap?
Yes — any doctor or hospital in the U.S. that accepts Medicare patients. There are no networks, no referrals needed, and no prior authorizations. This is one of Medigap’s biggest advantages, especially if you travel or see multiple specialists.
Will my Medigap premiums increase over time?
Yes, premiums typically increase as you age and due to medical inflation. Pricing methods vary: community-rated (same price for all ages), issue-age-rated (based on age when you buy), or attained-age-rated (increases as you age). Ask about the rating method when comparing plans.
Can I switch Medigap plans later?
You can apply to switch anytime, but outside your open enrollment period you’ll likely face medical underwriting. Some states (like NC) have special protections, and certain situations give you guaranteed issue rights. It’s always easier to get the plan you want during your initial enrollment window.
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