Medigap / Medicare Supplement

Medigap, in plain English.

Medigap (also called Medicare Supplement insurance) is a private plan that pays the deductibles, coinsurance, and copayments that Original Medicare leaves you. With a Medigap plan, you pay a monthly premium in exchange for highly predictable costs the rest of the year — and you can see any doctor or hospital in the U.S. that accepts Medicare. Plans are standardized by federal law and labeled with letters (A, B, D, G, K, L, M, N), so the coverage is identical across insurers; only price and customer service vary.

What "the gap" actually is

Original Medicare (Parts A and B) typically covers about 80% of your covered medical costs. The other 20%—plus deductibles and certain coinsurance—is your responsibility. There's no annual out-of-pocket cap on Original Medicare. Without something filling that gap, a long hospital stay or an expensive procedure can run into many thousands of dollars.

How Medigap is standardized

This is one of the best-kept secrets in Medicare: Medigap plans are federally standardized. There are 10 plan letters (A, B, C, D, F, G, K, L, M, N) and each letter covers exactly the same benefits no matter which carrier sells it.



Plan G from Carrier A covers the same things as Plan G from Carrier B. The only difference between them is price. That's why we always shop multiple carriers when recommending a Medigap plan—same coverage, different premium.

Eligibility & enrollment

SNPs have continuous open enrollment for qualifying individuals—you don't have to wait for Annual Enrollment Period (AEP). You can enroll, switch, or disenroll throughout the year as long as you continue to qualify.



If you lose qualification (e.g., you were dual-eligible and Medicaid eligibility ends), you have a grace period to find replacement coverage.

How to know if a SNP is right for you

1. Confirm you qualify (dual status, chronic condition diagnosis, or institutional living)
2. Compare the SNP's network and formulary against your doctors and meds
3. Compare the SNP's extras against what a regular MA plan or Medigap would offer

For dual-eligibles especially, D-SNPs almost always win the comparison. For chronic-condition folks, it depends on the specific plan and the network match.



We can confirm your eligibility and run the comparison for you at no cost.

Talk to a licensed agent—no cost, no pressure.

30-minute call. We'll review your situation, compare plans available in your area, and answer your questions. No obligation, ever.