Medicare Supplement plans that fill the gaps.
Medigap policies work alongside Original Medicare to pay the deductibles, coinsurance, and copays it doesn't cover — so you can see any doctor who accepts Medicare, anywhere in the country, with predictable costs.
Compare Medicare Supplement Plans
Get a free, no-obligation comparison of Medigap plans available in your area.
What is a Medicare Supplement plan?
A Medicare Supplement plan — also called Medigap — is a private insurance policy designed to fill the "gaps" in Original Medicare. Original Medicare pays most of your health care costs, but not all of them. You are still responsible for deductibles, coinsurance, and copayments. A Medigap plan helps pay those remaining costs.
It works with Original Medicare
Medigap does not replace Medicare — it supplements it. You stay on Original Medicare, and the Medigap policy picks up the out-of-pocket costs Medicare leaves behind.
No networks, nationwide
Because Medigap follows Original Medicare, you can see any doctor or hospital in the country that accepts Medicare — with no network restrictions and no referrals.
Why people choose Medicare Supplement
Medigap is ideal for those who want freedom, predictability, and the peace of mind that comes with comprehensive coverage.
Any Doctor Nationwide
See any doctor or hospital that accepts Medicare — no networks, no referrals, anywhere in the United States.
Predictable Costs
Many Medigap plans cover 100% of Medicare's coinsurance and deductibles, so you know your costs before you receive care.
Coverage That Travels With You
Snowbirds and frequent travelers appreciate that Medigap works anywhere Medicare is accepted — no out-of-network worries.
Renewable & Guaranteed
As long as you pay your premium, your Medigap policy is guaranteed renewable — it cannot be canceled due to health changes.
Standardized Plans
Medigap plans are standardized by letter (Plan G, Plan N, etc.), so the same letter offers the same benefits from every carrier — you simply compare price.
No Prior Authorization
Because Medigap follows Original Medicare, you generally avoid the prior authorization and referral hurdles common with Advantage plans.
How Medicare Supplement works
You must be enrolled in both Medicare Part A and Part B to buy a Medigap policy. Medigap supplements Original Medicare — it does not replace it.
You keep Original Medicare
Medicare pays its share of approved health care costs first, just as it always has.
Medigap pays the gaps
Your Medigap policy steps in to pay the deductibles, coinsurance, and copays Medicare leaves behind.
You see any Medicare doctor
No networks or referrals — just present your Medicare and Medigap cards at any provider that accepts Medicare.
Things to consider
Medicare Supplement offers freedom and predictability, but there are a few things to weigh.
Higher monthly premiums
Medigap plans typically cost more per month than Medicare Advantage, but you pay far less at the point of care. It's a trade-off between premium and out-of-pocket costs.
No drug coverage included
Medigap does not cover prescription drugs. You'll need a separate Medicare Part D plan for medication coverage.
Best time to enroll is at 65
Your 6-month Medigap open enrollment window starts when you turn 65 and enroll in Part B. After it closes, you may face medical underwriting to switch plans.
No dental, vision, or extras
Medigap focuses on medical gaps only. Routine dental, vision, and hearing are not included — you'd add standalone plans if you want them.
Not sure if Supplement is right for you?
Medicare Supplement and Medicare Advantage take two different approaches to covering your costs. Compare them side by side to see which fits your doctors, prescriptions, and budget.
Fill the gaps in your Medicare coverage.
Speak with a licensed broker to compare Medigap plans from top carriers and find the coverage that fits your life.