Medicare Supplements

Close Your Coverage Gaps. Protect Your Savings

Welcome to the page that simplifies Medicare Supplement Insurance (Medigap). Medicare Part A and Part B cover about 80% of your medical bills. Medigap plans are designed to cover the remaining gaps, like deductibles, copayments, and coinsurance that can quickly drain your savings. We help you choose the plan that provides the most comprehensive and cost-effective security.

Plan Guide:

Medicare Supplements are standardized plans, labeled A, B, C, D, F, G, K, L, M, and N. The benefits for each letter are exactly the same, regardless of the insurance company. This standardization makes comparison simple, but choosing the right letter is critical.

Plan Letter	What It Covers (Highlights)	Ideal For...
Plan G	The Most Popular Choice. Covers nearly all major gaps, including the Part B Deductible. Excellent comprehensive coverage.	Those seeking the highest level of security with predictable costs.
Plan F	Full Coverage (If Eligible). Covers everything, including the Part B Deductible. Only available if you were eligible for Medicare before January 1, 2020.	Those grandfathered into Medicare who want zero out-of-pocket costs.
Plan N	Lower Premium Option. Covers most major gaps, but requires a small copay ($20 for doctor visits, $50 for ER) and doesn't cover Part B excess charges (where legal).	Budget-conscious individuals who prefer a lower monthly premium and are willing to pay small copays.
High Deductible Plan G (HDG)	Same coverage as Plan G, but you pay all costs until a high annual deductible is met. Lowest monthly premium.	Those who are very healthy and want protection against catastrophic medical events.

How to Get Your Quote in 3 Steps

Get Your Personalized Quote

Finding the right Medigap plan comes down to two factors: the coverage you need (Plan Letter) and the best premium from the best company.

Carrier Comparison: We instantly compare rates from dozens of top-rated carriers, not just one. Since the benefits for Plan G are identical across companies, you should always choose the one with the lowest, most stable premium.
Rate History Check: We look beyond the current price. We check the past rate increase history of each company to project the most stable, cost-effective plan for years to come.
No-Obligation Service: Our quote is absolutely free. There is no obligation to enroll, and we are compensated by the insurance carrier only if you choose to enroll.

Independence is Your Advantage

Trusted Insurance Providers

As an independent brokerage, we do not work for the insurance companies—we work for you. This independence allows us to partner with all the top, A-rated Medicare Supplement providers in the nation.

Anthem Blue Cross

Aetna

Cigna

Blue Cross Blue Shield

Mutual of Omaha

UnitedHealthcar

Humana

What This Means For You: You get access to the most competitive prices and the most stable, financially sound companies. You never have to call multiple companies again, we do that work for you.

Frequently Asked Questions

The best time is during your Initial Enrollment Period (IEP), which starts the month you turn 65 and enroll in Part B. During this 6-month window, you have a Guaranteed Issue Right. This means insurance companies must accept you regardless of any health conditions, and they cannot charge you a higher premium based on your health.

If you are outside of a Guaranteed Issue period, you will have to answer health questions (go through medical underwriting). The insurance company can deny your application or charge you a higher premium. It is crucial to enroll during your 6-month Medigap Open Enrollment Window to avoid this!

If a doctor accepts Original Medicare (Part A and Part B), they must accept your Medicare Supplement plan, regardless of the company (e.g., Aetna, Mutual of Omaha). Medigap plans have no doctor networks (HMO/PPO limitations); they travel with you anywhere in the U.S. that accepts Original Medicare.

Medigap plans do not cover prescription drugs. Drug coverage is separate and requires a stand-alone Medicare Part D Prescription Drug Plan. We can help you find the most cost-effective Part D plan to pair with your chosen Medigap plan.

No, our service is 100% free to you. We are paid a commission directly by the insurance company when you enroll in a plan. Your premium is the same whether you work with us or go directly to the carrier. By using us, you gain an independent advocate and expert advice at no cost.