Stop Getting Surprised
by Medical Bills
Original Medicare is great — but it doesn't cover everything. Medicare Supplement insurance, also called Medigap, picks up where Medicare leaves off so you can see any doctor in the country without worrying about unexpected costs.
Get My Free QuoteOr call (813) 454-0108
How It Works
Medicare + Medigap = Nearly Full Coverage
You visit any doctor or hospital
Medicare Supplement works with ANY doctor who accepts Medicare — nationwide. You are never restricted to a network.
Medicare pays its share (80%)
Original Medicare (Parts A & B) covers about 80% of approved medical costs. That leaves 20% as your responsibility.
Medigap covers the rest
Your Medicare Supplement plan steps in to pay most or all of the remaining 20%, plus deductibles and coinsurance. You may owe very little or nothing at all.
The Benefits
Why Medigap Gives You Peace of Mind
See Any Medicare-Accepting Doctor
No referrals, no networks, no pre-authorization for most services. Your freedom of choice is protected.
Predictable Monthly Costs
Your premium is fixed. You always know what you're paying — no surprise co-insurance bills after a hospital stay.
Renewable for Life
As long as you pay your premium, the insurer cannot cancel your plan or raise your rates just because you got sick.
Nationwide Coverage
Traveling or snowbirding? Medigap covers you at any Medicare-accepting provider in all 50 states.
No Prescription Required
Medigap is separate from drug coverage — you can pair it with any Part D plan that suits your medications.
Coverage Options
The Most Popular Plans
All Medigap plans with the same letter offer identical benefits — price is the only difference between carriers. We shop all of them to find you the best rate.
Plan G
The most comprehensive plan available to new Medicare enrollees. Covers nearly everything except the Part B deductible.
Plan N
Lower monthly premiums than Plan G. You pay small copays at doctor visits (up to $20) and emergency rooms ($50 if not admitted).
Plan F
Only available if you turned 65 before January 1, 2020. The original "first-dollar coverage" plan with zero out-of-pocket costs.
Common Questions
FAQ
When can I enroll in a Medigap plan?
The best time is during your 6-month Medigap Open Enrollment Period, which begins the month you turn 65 AND are enrolled in Medicare Part B. During this window, insurers cannot deny you or charge you more based on health conditions.
Does Medigap cover prescription drugs?
No. Medigap plans sold after 2006 do not include prescription drug coverage. You will need a separate Part D plan for your medications. We can help you find one that pairs well with your Medigap plan.
How much does a Medigap plan cost?
Premiums vary by plan type, your age, location, and the insurance company. Plan G plans typically range from $80 to $200+ per month. We compare dozens of carriers to find the lowest rate for the same coverage.
Can I keep my doctors?
Yes — as long as your doctor accepts Medicare (and the vast majority do), they accept your Medigap plan too. You never need a referral or pre-authorization to see a specialist.
Ready to Lock In Your Coverage?
Our agents compare plans from 20+ carriers to find you the best rate. The consultation is free and takes about 15 minutes.
Call (813) 454-0108