Medicare Supplement Plans (Medigap)
Every Plan G has the same benefits, but not the same price. Compare Medigap insurers with an independent advisor, free.
Medicare Supplement plans, also called Medigap, help pay the deductibles, copays and coinsurance that Original Medicare leaves behind. Medigap is private insurance that works alongside Original Medicare (Parts A and B) and lets you see any doctor nationwide who accepts Medicare.
Because Medigap benefits are standardized, the real difference between insurers is price. MediHealth Options, an independent Medicare advisory firm led by Mark Arévalo, compares Medicare Supplement plans from multiple insurance companies to find you the right price, then helps you pair your plan with a Part D drug plan. It’s always free to you.
Personalized Medicare Guidance
All-in-One Coverage Solutions
Key Takeaways:
- Medicare Supplement plans cover costs Original Medicare doesn’t, with no networks to limit your doctors.
- Benefits are standardized by plan letter, but premiums for the same plan vary by insurer.
- Medigap doesn’t include drug coverage, so most people pair it with a separate Part D plan.
- MediHealth Options compares insurers for you and reviews your coverage every year, at no cost.
What Medicare Supplement Plans Cover and Who They Fit
Medicare Supplement plans pay some or all of the costs Original Medicare leaves behind, depending on the plan letter you choose. Here’s how Medigap works:
- Help with out-of-pocket costs: Coverage for deductibles, copays and coinsurance, based on your plan.
- No networks: See any doctor or hospital nationwide that accepts Medicare, generally without referrals.
- Separate drug coverage: Medigap doesn’t cover prescriptions, so you’ll add a Part D plan.
- Two premiums: You keep paying your Part B premium plus a separate monthly premium to your Medigap insurer.
Medicare Supplement plans are a strong fit for frequent travelers, snowbirds and anyone who wants the freedom to choose their own doctors and specialists without network rules.
Medicare Supplement Plan G, Plan N and How Medigap Plans Compare
Medigap plans are standardized and labeled with letters A through N, so a Plan G from one insurer has the same core benefits as a Plan G from any other. (Massachusetts, Minnesota and Wisconsin standardize their plans differently.) The most common choices:
- Plan G: The most comprehensive plan for people new to Medicare since January 1, 2020, covering every Original Medicare out-of-pocket cost except the Part B deductible.
- Plan N: Typically lower premiums than Plan G in exchange for small copays on some office and emergency room visits. It also doesn’t cover the Part B deductible.
- Plans C and F: These cover the Part B deductible but are only available to people eligible for Medicare before January 1, 2020.
Mark explains which plan letter fits how often you see doctors and whether you’d rather pay more monthly or at the visit.
Medicare Supplement Plans Compared Across Insurers for the Right Price
The same Medicare Supplement plan can cost different amounts from different insurers, even though the benefits are identical. MediHealth Options compares Medigap carriers side by side so you aren’t paying more for the same coverage.
Mark Arévalo spent a decade at State Farm and four years at Empire BlueCross BlueShield before going independent, and today he isn’t tied to any one insurer. Through the MediHealth Options 4-Step Medicare Process, Mark or one of our licensed advisors will:
- Explain how Medigap works with Original Medicare and Part D
- Compare Medicare Supplement plans and prices across insurers
- Help you enroll and pair your plan with a Part D drug plan
- Review your coverage every year as premiums and your needs change
It’s the same people first, people always approach that more than 3,000 clients have trusted for clear, unbiased Medicare guidance.
Frequently Asked Questions About Medicare Supplement Plans
When is the best time to buy a Medicare Supplement plan?
The best time is your 6-month Medigap Open Enrollment Period, which starts the month you’re 65 or older and enrolled in Part B. During that window, insurers can’t deny you coverage or charge more because of pre-existing conditions. Outside it, insurers can often review your health history, so MediHealth Options helps you time your enrollment carefully.
Can I have a Medicare Supplement plan and a Medicare Advantage plan?
No, you can’t have both at the same time. A Medicare Supplement plan works alongside Original Medicare, while a Medicare Advantage plan is an all-in-one alternative that replaces it. Mark compares both paths with you, including networks, extra benefits and how costs are structured, before you commit to either one.
Do Medicare Supplement plans cover prescription drugs?
No, Medigap policies don’t include prescription drug coverage, so you’ll need a separate Medicare Part D plan. MediHealth Options checks your current medications and preferred pharmacies against Part D plans from multiple carriers and helps you avoid the Part D late enrollment penalty.
Can my Medicare Supplement plan be canceled?
No, as long as you pay your premium and gave accurate information on your application. Medigap policies are guaranteed renewable, so your insurer can’t cancel your coverage because your health changes. MediHealth Options still reviews your plan each year to make sure the price and plan letter continue to fit.
Does MediHealth Options charge for Medicare Supplement help?
No, MediHealth Options’ help is always free to you. Your Medigap questions, insurer comparisons, enrollment support and yearly reviews come at no cost and with zero pressure. Every recommendation is based on your needs, never on which carrier we’d rather sell.
Ready to Explore Your Medicare Supplement Plan Options?
Ready to see how Medicare Supplement plans compare across insurers? Book a free appointment with Mark Arévalo, or call
(631) 236-3348 / (631) BENEFIT for clear, unbiased Medigap guidance at no cost to you.
Services We Offer:
Contact Info.
Phone Number:
Email Address:
Our Location:
2570 N Jerusalem Rd Ste C5, North Bellmore, NY 11710
BOOK AN APPOINTMENT
Medicare Advantage Plans
testimonials
What Our Customers Are Saying About Us
I am really happy with the services Mark provided in navigating Medicare as my mom was turning 65. He did a did a home visit and reviewed all the Medicare Supplemental Plans available in this area for her to consider. I know that Mark gave her unbiased options, as he offers all the plans available in our area, so we were able to choose the best plan for her. I highly recommend MediHealth Options! Thank you Mark, for being so professional and courteous.
