You must be enrolled in BOTH Parts A and B at the time of application. You must be age 65 or older (in several states, some Plans are offered to those under 65 who are on disability). You must reside in the state in which the Supplement Plan is offered at the time of application.
Shop Smart For Medicare Supplement Plans
Medicare Supplement Insurance, also known as Medigap, helps fill "gaps" in Original Medicare and is sold by private companies. With so many plans available, we're here to make the decision making process an easy one.
Get a QuoteFill The Gaps With Medicare Supplement Plans
Initial Enrollment
The best time to buy a Medigap policy is the six-month period that starts the first day of the month that you turn 65 or older and enrolled in Part B. After this period, your ability to buy a Medigap policy may be limited and it may be more costly.
Guaranteed Coverage
Plan features stay the same from year to year, and your coverage will never change, even if your health does. Coverage is guaranteed for life as long as you pay your premiums when due and you do not make any material misrepresentation when you apply.
Flexible Coverage Benefits
Predictable costs help you stay ahead of unexpected out-of-pocket expenses. There are no network restrictions. You can see any doctor who accepts Medicare. Also, you don't need a referral to see a specialist. Coverage goes with you anywhere you travel in the U.S.
We have licensed insurance agents waiting to assist you with choosing a Medigap insurance plan that fits your needs.
(888) 805-0988 TTY: 711, Mon-Fri 9am-6pm EST
Frequently Asked Questions
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What are the rules to get into a Medicare Supplement plan?
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Can I change my Medicare Supplement plan at any time?
If you want to change your Medicare Supplement plan, you can do so at any time. There is no official enrollment period for Medigap insurance, but you might have to undergo a medical underwriting procedure to switch providers.
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Do all Medicare Supplement plans pay the same?
Medicare Supplement insurance plans are sold by private insurance companies and can help you pay for out-of-pocket costs for services covered under Original Medicare. Different Medicare Supplement insurance plans pay for different amounts of those costs, such as copayments, coinsurance, and deductibles.
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What is the highest rated Medicare Supplement plan?
Medicare Supplement Plan G is the best overall plan that provides the most coverage for seniors and Medicare enrollees. Plan G will cover almost everything except the Medicare Part B deductible, which is only $226 for 2023.
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Do Medigap plans have a maximum out-of-pocket?
The 2023 out-of-pocket (OOP) limits for Medigap plans K & L are $6,940 and $3,470, respectively. These increases in the limits are based on estimates of the United States Per Capita Costs (USPCC) of the Medicare program developed by the Centers for Medicare & Medicaid Services (CMS).