Medicare Supplement (Medigap) Plans – Fill the Gaps in Medicare
Medigap: Private Coverage for Predictable Costs
Medicare Supplement (Medigap) plans are private insurance policies that help cover deductibles, co-pays, and other expenses that Original Medicare leaves behind. These plans are standardized by the government, so the coverage for each lettered plan (such as Plan G or Plan N) is the same, no matter which insurer you choose. Medigap provides confidence and helps make your healthcare expenses more predictable, which is especially important for those on a fixed income. You can use your Medigap plan with any doctor or hospital in the U.S. that accepts Medicare, giving you broad flexibility. If you want to control costs and have national access to care, Medigap is a straightforward solution.
Coverage That Travels With You
Medigap plans stand out for several key features. They help pay for out-of-pocket expenses like hospital deductibles and the 20% coinsurance for Part B, making medical bills less stressful. Your Medigap coverage goes wherever you do—any provider in any state that accepts Medicare will honor your plan, so you never have to worry about networks. Unlike many Medicare Advantage plans, Medigap doesn’t require referrals to see specialists, so you can book care directly. These policies are also guaranteed renewable, meaning you keep your coverage as long as you pay your premium on time. For many, this combination of stability and freedom is a major advantage.
Choosing and Comparing Medigap Plans
Out-of-Pocket Protection
Plan G is a popular option because it covers almost every expense except the Medicare Part B deductible, providing strong financial predictability. Plan N offers lower monthly premiums but asks you to pay small copays for certain office and ER visits, which can be a good balance for many people.
Nationwide Acceptance
Every Medigap plan lets you visit any provider in the U.S. that accepts Medicare, so you’re never tied to a specific network. This is especially helpful if you travel regularly or split your time between different states.
No Referrals Needed
Medigap gives you the flexibility to see specialists and access care directly, with no extra paperwork or waiting for approval.
Personalized Medigap Guidance From True North Associates
Choosing the right Medigap plan can be confusing, especially with so many choices and rules about when you can enroll. True North Associates breaks down every plan’s details in plain English, so you can compare your options side by side and avoid hidden surprises. We make sure you enroll at the right time—especially during your Medigap Open Enrollment period—to lock in your best options. We also guide you through special state rules, such as Maryland’s and Oregon’s “Birthday rule,” which allows annual plan changes without new health questions. Our ongoing support means you’re never left guessing about your coverage, even as your needs change over time.
Medigap Frequently Asked Questions
Can I have both a Medigap policy and a Medicare Advantage plan?
No, you cannot have both types of coverage at the same time. Medigap and Medicare Advantage are designed to work separately, and it’s illegal to enroll in both. You must choose the approach that best fits your health and budget. If you ever have questions about which makes sense for your needs, we’ll explain the trade-offs clearly.
Do Medicare Supplement plans cover prescription drugs?
Medigap plans do not include prescription drug coverage. If you want help paying for medications, you’ll need to enroll in a separate Medicare Part D prescription drug plan. This keeps your medical and pharmacy benefits distinct but allows you to tailor each to your needs. We’ll help you select a Part D plan if prescription costs are a concern.
Will my Medigap premiums increase as I age?
Your premiums may change over time, depending on your plan’s pricing method. Some plans use “attained-age” pricing, which means rates go up as you get older, while others use “issue-age” or “community-rated” methods that may be more stable. We’ll help you understand which pricing applies in your state so you’re prepared for potential changes. It’s important to choose a plan that fits your budget now and in the future.
When can I change Medigap plans?
The best time to enroll or switch is during your six-month Medigap Open Enrollment period after you join Medicare Part B, when you can’t be denied for health reasons. After that window, some states let you change plans at certain times without medical questions—Maryland and Oregon, for example, have “Birthday rules.” If you live elsewhere, switching plans later might involve health screenings. We’ll review your options and timing to keep your coverage flexible.
Which Medicare Supplement plan is best for me?
The answer depends on your personal needs, budget, and how much risk you’re comfortable managing. Plan G is comprehensive and predictable, while Plan N offers more savings for those who don’t mind small copays. We help you compare all the available plans and insurers in your area so you can choose with confidence. Our goal is to help you find a solution that delivers real peace of mind.
Choose Your Medigap Plan With Confidence
With so many Medigap options available, comparing benefits and enrollment periods is crucial to making the right decision. True North Associates brings clarity and experience, helping you understand differences and avoid costly mistakes. No matter where you live, we provide state-specific insights and ongoing support for every stage of your Medicare journey. Let’s simplify your choices and help you get the protection you deserve.
Start Your Medigap Plan Review Today
Finding the right Medigap plan doesn’t have to be stressful or confusing. Schedule a conversation with True North Associates and let us guide you through your options, explain every detail, and handle the paperwork from start to finish. We’re here to provide the honest, experienced guidance you need for peace of mind—so you can focus on what matters most.
