Medicare Supplements (Medigap)
When you want predictable costs and the freedom to see almost any doctor in the country.
The plain-English version.
Medicare Supplement plans — also called Medigap — sit alongside Original Medicare (Parts A and B) and pay the costs that Medicare leaves behind: deductibles, coinsurance, copayments. They're sold by private carriers but the benefits are standardized by letter (Plan G, Plan N, etc.) so plan benefits don't vary between carriers — only the price does.
The biggest advantage: no networks. With Original Medicare plus a Supplement, you can see any doctor in the country who accepts Medicare. That's a real selling point for snowbirds, frequent travelers, and people who want maximum freedom.
The trade-off: higher monthly premiums than Medicare Advantage, plus you'll need a separate Part D plan for drug coverage. So the math doesn't work for everyone — but for some folks it's exactly right.
Probably you, if any of these sound familiar.
- Seniors who travel often and want to see doctors anywhere in the country.
- Folks with significant ongoing health needs who value predictable monthly costs over lower premiums.
- People who already have a doctor they love who isn't in any Medicare Advantage network nearby.
- Anyone who'd rather pay more monthly to almost never pay anything at the doctor's office.
In John’s own words.
“Because Supplement plan benefits are standardized by letter, the only thing that varies between carriers is price. I compare prices across every carrier I'm appointed with so you don't pay more than you need to for the same coverage.”
“I'll also be honest with you about whether a Supplement is actually the right call. For most seniors I work with, Medicare Advantage is the better fit. But when a Supplement is right — usually for snowbirds or folks with specific care needs — I'll tell you that too.”
“And I'll set up the standalone Part D drug plan that goes with it, so you're not piecing it together yourself.”
About Medicare Supplements
What's the difference between Medicare Advantage and a Medicare Supplement?
Which Supplement plan letter is best — G, N, or something else?
Will I have to pass medical underwriting?
Can I switch from a Supplement to a Medicare Advantage plan later?
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
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Read moreSocial Security & Medicare Enrollment
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