The Support You Deserve — Without the Surprise Bills

Helping you fill the gaps in Original Medicare

Original Medicare (Parts A & B) offers great foundational coverage — but it doesn’t cover everything. That’s where Medicare Supplement Insurance (Medigap) steps in. These plans help pay for costs like deductibles, copayments, and coinsurance, giving you greater financial predictability and peace of mind.


Whether you're managing a chronic condition or simply planning for the future, Medigap ensures you’re not caught off guard by high out-of-pocket expenses.


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Coverage You Can Count On

Once enrolled, your plan helps cover the “gaps” left behind by Medicare — like hospital costs after Part A is exhausted, or excess charges from Part B providers.

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Freedom to Choose Providers

Unlike many Medicare Advantage plans, Medigap allows you to see any doctor or specialist who accepts Medicare — with no referrals needed and no network restrictions.

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Reliable, Nationwide Benefits

Traveling within the U.S.? You’re covered anywhere Medicare is accepted. Some Medigap plans even offer emergency coverage abroad.

How Medicare Supplement Plans Work

Medicare Covers

Hospital care

Doctor visits

Skilled nursing

Hospice care

Medigap Covers

Hospital deductible + extended stays

Part B coinsurance & excess charges

Coinsurance after 20 days

Copayments + medications

Who Might Benefit Most?

This coverage is ideal for people who:

  • Want predictable healthcare costs with fewer out-of-pocket surprises
  • Travel frequently and need flexible, nationwide coverage
  • Prefer choosing their own doctors without network constraints
  • Expect to visit multiple providers or specialists
  • Require long-term management of health conditions and don’t want to risk unpredictable expenses


Frequently Asked Questions

  • What’s the difference between Medicare Advantage and Medigap?


    Medicare Advantage replaces your Original Medicare with a private plan. Medigap supplements your Original Medicare benefits by helping cover your share of costs.

  • Can I have both Medigap and a Medicare Advantage Plan?


    No — you must choose one or the other. They are not designed to work together.

  • When is the best time to enroll in a Medigap plan?


    Your Medigap Open Enrollment Period lasts for 6 months beginning the month you’re 65 or older and enrolled in Part B. During this time, you can’t be denied coverage or charged more due to health conditions.

  • Does Medigap include drug coverage?


    No. You’ll need to enroll in a separate Part D Prescription Drug Plan if you want medication coverage.

  • Are Medigap plans standardized?


    Yes. Plans are labeled A–N, and each lettered plan offers the same benefits nationwide, though costs may vary by provider.

Book Your Free Medicare Review

Need Guidance Choosing a Plan?

There are multiple Medigap options, each with different benefit levels and premiums. At Agents4Life, we help you compare Plan G, Plan N, Plan A, and more — so you can find the right fit for your needs, budget, and lifestyle.

Let’s talk about your options — Schedule a free consultation