Medicare Supplement plans (sometimes called Medigap) work alongside Original Medicare, paying most of the deductibles and coinsurance Medicare leaves behind — with no networks and no referrals.
Original Medicare pays roughly 80% of approved medical costs, with no annual limit on your 20%. A Medicare Supplement plan picks up most or all of that remainder. You keep Original Medicare as your primary coverage and can see any provider in the country that accepts Medicare — no networks, no referrals.
Medicare Supplement plans are standardized by letter (Plan G, Plan N, and others). A Plan G from one carrier has the same benefits as a Plan G from another — so we shop the same coverage across carriers for the best premium and rate history. You'll typically pair a Medicare Supplement plan with a stand-alone Part D drug plan.
| Popular plans | The short version |
|---|---|
| Plan G | The most comprehensive option for new enrollees — after the Part B deductible, most approved costs are covered. |
| Plan N | Lower premium in exchange for small copays for some office and ER visits. |
| High-Deductible G | Very low premium; full Plan G benefits kick in after an annual deductible. |
Your six-month Medicare Supplement Open Enrollment Period starts when you're 65+ and enrolled in Part B. During this window you can buy any plan without health questions. After it closes, medical underwriting may apply in most states — so timing this decision matters.
A free 30-minute review with a licensed insurance agent.
By calling this number, you will be connected with a licensed insurance agent who may discuss Medicare Advantage, Medicare Supplement, and Prescription Drug Plan options.