Medicare Plans
What’s Medicare Supplement Insurance (Medigap)?
Medicare Supplement Insurance (Medigap) is extra insurance you can buy from a private health insurance company to help pay your share of out-of-pocket costs in Original Medicare.
Medicare Supplement Plans - What's Covered and Not Covered
Medigap plans, also knows as Medicare Supplemental plan, generally help cover your share of costs for services that are covered by Original Medicare (Part A and Part B). The benefits are different in each plan – you can buy the one that meets your needs. Not all plans are offered in every state.
What’s Covered?
Medigap policies help cover out-of-pocket costs associated in Original Medicare, like:
- Copayments
- Coinsurance
- Deductibles
Some Medigap policies cover services that Original Medicare doesn’t cover, like emergency medical care when you travel outside the U.S. (foreign travel emergency care).
Medigap doesn’t cover everything. Medigap plans generally don’t cover:
- Long-term care (like care in a nursing home)
- Vision or dental care
- Hearing aids
- Eyeglasses
- Private-duty nursing
Medicare Supplement Plan G vs. Plan N Which One Is Right for You?
When choosing a Medicare Supplement (Medigap) plan, two of the most popular options nationwide are Plan G and Plan N.
Both plans work with Original Medicare and provide strong protection — but they differ slightly in cost structure and how you share expenses.
Here’s a simple breakdown:
🔵 Plan G – Maximum Predictability
Best for: People who want the most comprehensive coverage and minimal surprise bills.
What Plan G Covers:
- Part A hospital deductible
- Part A coinsurance
- Skilled nursing facility coinsurance
- Part B coinsurance (20%)
- Part B excess charges
- Foreign travel emergency (limited)
- Hospice coinsurance
What You Pay:
- Monthly premium
- Annual Part B deductible (small annual amount)
- After that: typically $0 for Medicare-approved services
Why Many People Choose Plan G:
- Very predictable costs
- No copays for doctor visits
- No excess charge exposure
- Ideal for frequent healthcare users
- Strong long-term protection
🟢 Plan N – Lower Premium, Slight Cost Sharing
Best for: People who want to save on premium and don’t visit the doctor frequently.
What Plan N Covers:
- Part A hospital deductible
- Part A coinsurance
- Skilled nursing facility coinsurance
- Part B coinsurance (with small copays)
- Foreign travel emergency (limited)
- Hospice coinsurance
What You Pay:
- Monthly premium (typically lower than Plan G)
- Annual Part B deductible
- Up to $20 copay for doctor visits
- Up to $50 copay for ER visits (if not admitted)
- Possible Part B excess charges (in some states)
Why Some People Choose Plan N:
- Lower monthly premium
- Good fit for healthy individuals
- Comfortable with small copays
- Less frequent doctor visits
| Feature | Plan G | Plan N |
|---|---|---|
| Monthly Premium | Higher | Lower |
| Part B Deductible | Yes | Yes |
| Doctor Visit Copay | $0 | Up to $20 |
| ER Copay | $0 | Up to $50 |
| Excess Charges Covered | Yes | No |
| Predictability | Very High | Moderate |
| Best For | Maximum coverage | Premium savings |
Why choose us
We specialize in private health insurance and Medicare supplemental plans. Navigating Medicare can be challenging, but a Medicare Supplemental plan can help simplify your coverage and protect you from high out-of-pocket costs and excess charges.
Our clients trust us to provide the best coverage with minimal out-of-pocket expenses for their healthcare needs.
We partner with several top-rated Medicare Supplemental carriers to ensure we meet your needs and fit your budget.