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Medicare Supplement (MS) Insurance (also called Medigap)
Medicare Supplement Insurance, helps cover the out-of-pocket costs that Original Medicare doesn’t — like deductibles, copayments, and coinsurance. These plans are offered by private insurers and come in standardized types labeled A through N, each offering different levels of coverage. Some plans even include extras, like foreign travel emergency care.
MS or Medigap does not cover prescription drugs, so many people pair it with a standalone Part D plan. Premiums vary by plan, insurer, and location, typically ranging from $50 to $300+ per month. Unlike Medicare Advantage, Medigap works with Original Medicare, letting you see any provider that accepts Medicare, giving you flexibility and peace of mind.
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Plan G, Plan K, Plan N, Plan F, Where to Start?
If you are interested in learning more about what plans cover, please reach out and schedule an appointment.
Understanding Medicare Supplement
Medicare Supplement (Medigap) helps pay for out-of-pocket expenses that Original Medicare doesn't cover, such as deductibles, copayments, and coinsurance.
Medigap plans are designed to work alongside Original Medicare (Parts A and B), allowing you to keep your Medicare benefits while reducing additional healthcare costs.
Medigap plans are standardized by the federal government, with 10 plan options (A through N) offering varying levels of coverage, but the coverage is the same no matter which insurer offers the plan.
Medigap plans do not include prescription drug coverage, so beneficiaries typically need a separate Part D plan for medication coverage.
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Medicare Supplement & Medicare Advantage
Coverage
Medicare Supplement (Medigap)
Helps cover out-of-pocket costs from Original Medicare — deductibles, copays, coinsurance. Some plans include extras like foreign travel emergency care.
Medicare Advantage (Part C)
Combines Part A & B, often includes Part D, and may offer extras like vision, dental, hearing, and wellness programs.
Prescription Drugs
Not included — usually paired with a standalone Part D plan.
Often included within the plan.
Provider Flexibility
See any provider that accepts Medicare — full freedom.
Must use the plan’s network (except for emergency care).
Costs
Premiums vary by plan, insurer, and location, typically $50–$300+/month. Out-of-pocket costs depend on services.
Premiums vary by plan and location; $0–$50+ possible, plus Part B premium. Copays, coinsurance, and deductibles vary by plan.
Financial Protection
Covers gaps in Original Medicare but no annual out-of-pocket maximum.
Includes an annual out-of-pocket maximum — helps protect against high medical costs.
Freedom vs. all-in-one: we’ll help you pick the plan that works for your health and budget.
