Medicare Supplement Insurance (Medigap) Plans & Guidance
Keep your trusted doctors and protect your retirement savings from unexpected hospital bills. Medicare Supplement plans work alongside Original Medicare to pay out-of-pocket deductibles, copayments, and coinsurance with zero network restrictions.
What is Medicare Supplement (Medigap) Insurance?
Original Medicare (Part A and Part B) provides robust foundational healthcare coverage, but it does not pay for everything. Beneficiaries remain responsible for hospital deductibles, daily coinsurance for extended stays, and a 20% coinsurance for all outpatient medical services with no annual maximum out-of-pocket ceiling.
Medicare Supplement Insurance, commonly referred to as Medigap, is private insurance designed specifically to fill these financial “gaps.” Because plans are standardized by federal law across 10 lettered categories (A through N), each lettered plan offers the exact same core benefits regardless of which insurance company issues the policy.
The Doctor Freedom Principle
With a Medigap policy, there are no HMO or PPO provider networks. You can visit any hospital, specialist, or primary care physician in the United States who accepts Original Medicare, with zero referral requirements.
Who is Medicare Supplement Insurance Best For?
Specialist & Doctor Choice
Beneficiaries managing chronic conditions who see multiple specialists and refuse to be restricted by narrow managed care networks.
Travelers & Snowbirds
Retirees who travel domestically or spend months in different states, requiring seamless nationwide medical coverage anywhere in the country.
Predictable Budgeting
Seniors who prefer paying a predictable monthly premium in exchange for near-zero out-of-pocket medical bills when care is needed.
Core Plan Options: Plan G vs. Plan N
While Medigap offers plans lettered A through N, the vast majority of new enrollees choose between Plan G and Plan N. (Plan F is only available to beneficiaries eligible for Medicare prior to January 1, 2020).
Compare all plan letters in detail in our Medigap Plan G vs Plan N Comparison Guide →
When to Enroll: The Medigap Open Enrollment Period
Your most critical window to secure a Medigap policy is your Medigap Open Enrollment Period. This 6-month period begins automatically on the first day of the month in which you are 65 or older and enrolled in Medicare Part B.
Guaranteed Issue Protection
During this 6-month window, private insurance companies cannot deny you coverage, charge higher premiums due to pre-existing health conditions, or impose medical underwriting questions. If you miss this window, you may be required to pass medical underwriting to qualify.
Preparing for your 65th birthday? Check our Turning 65 Medicare Enrollment Checklist →
How Seniors Plan Advisor Helps You Compare Plans
Because benefits are identical by federal law within each plan letter, comparing Medicare Supplement plans comes down to three factors: monthly premium, historical rate increase stability, and company financial ratings.
- 1. Side-by-Side Quoting: We generate unbiased rate comparisons across reputable carriers licensed in your zip code.
- 2. Underwriting Pre-Screening: If you are applying outside Open Enrollment, we help navigate carrier underwriting guidelines safely.
- 3. Lifetime Policy Support: We conduct annual rate reviews to ensure your plan remains competitive year after year.
Carriers We Work With
Seniors Plan Advisor is contracted with 7 leading Medicare organizations across our 23 licensed states. Because plan availability varies by county and service area, our licensed advisors help you compare available options in your community.
Important Notice: We do not offer every plan available in your area. Currently we represent 7 organizations across our licensed footprint. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Assistance Program (SHIP) to get information on all of your options.
Frequently Asked Questions About Medicare Supplement Plans
Does Medigap include prescription drug coverage?
No. Modern Medigap policies sold today do not include outpatient prescription drug coverage. To cover your medications, beneficiaries pair their Medicare Supplement policy with a standalone Medicare Part D Prescription Drug Plan.
Can a doctor refuse my Medigap policy if they accept Medicare?
No. If a physician or hospital accepts Original Medicare, they are required by federal regulations to accept any standard Medigap policy from any carrier. Your claims are processed automatically through Medicare’s electronic crossover system.
Can an insurance company cancel my Medigap policy if my health worsens?
No. All standard Medicare Supplement policies are guaranteed renewable. As long as you pay your monthly premiums on time, the insurance company cannot cancel your policy, change your benefits, or drop you regardless of any new health conditions.
Do I pay extra to use an advisor to buy a Medigap policy?
No. Our advisory guidance and plan comparisons are 100% free to beneficiaries. Medicare insurance premiums are set by law, meaning no advisor or agency can legally charge you a fee or mark up your premium.
Compare 2026 Medigap Rates in Your Area
Speak with an independent advisor to review available Medigap plans, check rate histories, and confirm your enrollment deadlines.