You’ve chosen Original Medicare. Smart move.
But now you’re hearing about “Medigap plans” — also called Medicare Supplement Insurance — and wondering:
“Is this something I actually need, or just another monthly bill?”
Let’s cut through the confusion.
In this post, you’ll learn exactly what Medigap plans do (and don’t) cover, who they’re best for, and whether it’s worth it for you to get one before you turn 65.

What Is a Medigap Plan?

Medigap is extra insurance you can buy to cover the “gaps” that Original Medicare doesn’t pay for — like:
● Copayments

● Coinsurance

● Deductibles

Without Medigap, you’re responsible for 20% of all medical costs after Medicare pays its share.
And — there’s no annual out-of-pocket limit with Original Medicare alone.
That means a single unexpected hospital visit could cost thousands.

What Medigap Plans Usually Cover:

Depending on the plan, Medigap may help cover:
● Part A deductible (currently over $1,600 per hospital stay)

Includes Part B coinsurance (20%) for doctor visits, specialists, and outpatient services.
Also covers skilled nursing facility coinsurance.
Provides foreign travel emergency care.

There are several types of Medigap plans — like Plan G, Plan N, and Plan A — each with different coverage levels and premiums.

 Should You Get a Medigap Plan?

Here’s how to know if a Medigap plan makes sense for you:
Medigap might be right for you if:
● You want to stick with Original Medicare but avoid big out-of-pocket bills

If you travel frequently, you may want nationwide (or even international) coverage.
Avoiding referrals or network restrictions might be important to you.
Perhaps you prefer predictable monthly costs over surprise medical bills.

Best Medigap Plans – Timing Is Everything

Here’s something most people don’t know:
You only get a guaranteed window to sign up for Medigap once — during the 6 months after you enroll in Part B (usually when you turn 65).
After that, insurance companies can:
● Deny you coverage

● Charge you more based on your health

● Or limit your plan options entirely

If you miss that window, you might be stuck with fewer choices — or none at all.

How We Can Help

You’re not alone — there are over 10 plan types and dozens of carriers.
Some cover everything. Others cost less but leave more gaps.
We can help you:
● Compare plans side-by-side

Check which doctors are covered.
Estimate your actual out-of-pocket costs.
Then choose the plan that protects you without overpaying.

Book Your Free Medigap Consultation
Don’t risk getting locked out of the plan you want — or overpaying for coverage you don’t need.
Schedule a quick, free call with one of our licensed Medicare advisors.
No sales pitch. Just real answers — customized for you.
 Click here to book your appointment now.