Medicare Supplement Plans – Covering the Gaps in Original Medicare

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Medicare Supplement plans help cover costs like copays, coinsurance, and deductibles so you can focus on your health, not your medical bills.

Original Medicare covers a lot, but it doesn’t cover everything. That’s where Medicare Supplement Insurance (Medigap) comes in. Medigap plans help cover out-of-pocket costs, including copayments, coinsurance, and deductibles, so you can enjoy greater financial protection and peace of mind.

What is Medigap?

Medicare Supplement Plans work alongside Original Medicare (Part A & B) to help cover costs that Medicare doesn’t pay for.


These include:

  • Hospital deductibles and coinsurance
  • Doctor visit copays and excess charges
  • Skilled nursing facility costs
  • Emergency medical care while traveling abroad
Jacksonvill, Florida

Be enrolled in both Medicare Part A and Part B

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Choose a private insurance provider offering Medigap plans in your state

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Apply during your Medigap Open Enrollment Period (the best time to enroll for guaranteed coverage)

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To enroll in a Medicare Supplement plan, you must:

Who is Eligible?

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  • What is Medicare Supplement Insurance (Medigap)?

    Medicare Supplement Insurance, also known as Medigap, is a private insurance policy that helps cover out-of-pocket costs left by Original Medicare, such as copayments, coinsurance, and deductibles. Medigap plans work alongside Medicare Part A and Part B to provide additional financial protection.


  • How does Medigap work with Original Medicare?

    Medigap plans do not replace Original Medicare; instead, they help fill in the coverage gaps by paying for expenses like hospital stays, doctor visits, and emergency medical care. Original Medicare pays first, and then your Medigap policy covers its share of the remaining costs.



  • When can I enroll in Medigap?

    The best time to enroll in a Medigap plan is during your Medigap Open Enrollment Period, which lasts six months from the time you turn 65 and enroll in Medicare Part B. During this period:


    You have guaranteed issue rights, meaning you cannot be denied coverage or charged higher premiums due to health conditions.

    After this period, you may have to go through medical underwriting, which means your acceptance isn’t guaranteed, and prices may be higher based on your health.


  • What does Medigap cover?

    Depending on the Medigap plan you choose, it can help cover:

    • Medicare Part A hospital coinsurance and hospital costs
    • Medicare Part B coinsurance or copayments
    • Blood transfusion costs (first 3 pints)
    • Skilled nursing facility care coinsurance
    • Medicare Part A & B deductibles
    • Emergency medical care while traveling abroad (select plans)
  • What are the different types of Medigap plans?

    There are 10 standardized Medigap plans available in most states: Plans A, B, C, D, F, G, K, L, M, and N. Some of the most popular options include:

    • Plan F: Covers all out-of-pocket Medicare costs, but only available to those eligible before 2020.
    • Plan G: Offers the most comprehensive coverage available to new enrollees, covering everything except the Part B deductible.
    • Plan N: Lower premiums with some cost-sharing for doctor visits and emergency room visits.
  • What is NOT covered by Medigap?

    Medigap policies do not cover:


    • Prescription drugs (you need a separate Medicare Part D plan for that)
    • Vision, dental, or hearing care
    • Long-term care or private-duty nursing
    • Cosmetic procedures