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What Is Medicare Supplement (Medigap)?

Medicare Supplement Insurance — commonly called “Medigap” — is private insurance that helps pay for costs that Original Medicare doesn’t fully cover, such as:

• Deductibles (Part A and Part B)
• Copayments and coinsurance
• Excess charges (when doctors charge more than Medicare-approved amounts)
• Foreign travel emergency care (some plans)

Important: Medigap is different from Medicare Advantage. With Medigap, you keep Original Medicare (Parts A & B) and add a supplement plan on top of it. With Medicare Advantage, you replace Original Medicare with a private plan.

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How Medigap Works

1. You keep Original Medicare — Medicare pays its share first
2. Your Medigap plan pays some or all of the remaining costs — depending on which plan you choose
3. You can see any doctor nationwide who accepts Medicare — no networks, no referrals
4. You pay a monthly premium for your Medigap policy, in addition to your Part B premium

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Medigap Plan Comparison

All Medigap plans are standardized by the federal government. Every Plan G from any company covers the exact same benefits. The only differences are price and customer service.

Benefit	Plan A	Plan B	Plan G	Plan K	Plan L	Plan N
Part A coinsurance & hospital costs	✅	✅	✅	50%	75%	✅
Part B coinsurance/copay	✅	✅	✅	50%	75%	✅*
Blood (first 3 pints)	✅	✅	✅	50%	75%	✅
Part A hospice coinsurance	✅	✅	✅	50%	75%	✅
Skilled nursing facility coinsurance	❌	❌	✅	50%	75%	✅
Part A deductible	❌	✅	✅	50%	75%	✅
Part B deductible	❌	❌	❌	❌	❌	❌
Part B excess charges	❌	❌	✅	❌	❌	❌
Foreign travel emergency	❌	❌	✅	❌	❌	✅

*Plan N may require copays for some office visits and ER visits.

Most Popular Plan: Plan G is the most popular Medigap plan in Florida, offering comprehensive coverage at competitive rates.

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Who Should Consider Medigap?

Medigap may be right for you if:

• ✅ You want the freedom to see any doctor who accepts Medicare, anywhere in the U.S.
• ✅ You travel frequently and want nationwide coverage without network restrictions
• ✅ You prefer predictable monthly costs with minimal out-of-pocket surprises
• ✅ You have ongoing health conditions that require frequent specialist visits
• ✅ You want to avoid prior authorizations and referral requirements

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Best Time to Enroll

Medigap Open Enrollment Period

Your best opportunity to buy a Medigap policy is during your Medigap Open Enrollment Period — the 6-month window that starts the month you turn 65 AND are enrolled in Medicare Part B.

During this period:

• Insurance companies cannot deny you coverage
• They cannot charge you more due to health conditions
• You have guaranteed issue rights

After this window: Companies can use medical underwriting — meaning they can deny coverage or charge higher premiums based on your health history.

⚠️ Don’t miss your window! Talk to Joel before your 65th birthday to plan ahead.

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Medigap vs. Medicare Advantage

Factor	Medigap	Medicare Advantage
Monthly premium	Higher	Often $0
Out-of-pocket costs	Lower/predictable	Varies (copays, coinsurance)
Doctor choice	Any Medicare doctor, nationwide	Network-based (HMO/PPO)
Referrals needed	No	Often yes (HMO)
Extra benefits (dental, vision)	No (buy separately)	Usually included
Prescription drugs	No (buy separate Part D)	Usually included
Best for	Travelers, those wanting predictability	Budget-conscious, those wanting extras

Not sure which path is right? Joel will walk you through both options and help you decide based on YOUR doctors, medications, and lifestyle.

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