Medicare Supplement Insurance (Medigap)

Medicare Supplement Insurance, is coverage offered by private insurance companies to help pay for out-of-pocket costs not covered by Original Medicare. This includes copayments, coinsurance, and deductibles that you would otherwise be responsible for paying.

Medigap plans are standardized and must provide a core set of benefits, though some plans offer additional coverage. For example, certain Medigap plans may help cover emergency medical care if you become ill while traveling outside the United States.

Am I Eligible for a Medigap Plan?

To qualify for a Medigap policy, you must:

  • Be enrolled in Medicare Part A and Part B.
  • Pay a monthly premium for your Medigap plan (in addition to your Part B premium).

Medigap policies cover one person, so if you’re married, both spouses will need to purchase separate policies. If you’re currently enrolled in a Medicare Advantage Plan (Part C), you are not eligible for a Medigap policy unless you switch back to Original Medicare (Parts A and B).

Choosing a Medicare Supplement Insurance Plan?

Understanding Original Medicare and selecting the right coverage can feel overwhelming, but you don’t have to do it alone. Whether you’re exploring your Medicare options or trying to decide if a Medicare Supplement policy is right for you, as a local licensed insurance agent, we can provide the guidance you need.

We can help you:

  • Understand your Medicare options and eligibility.
  • Review plan costs, coverage, and benefits.
  • Avoid late enrollment penalties.
  • Compare Medigap policies and premiums.
  • Determine if switching from Medicare Advantage to Original Medicare with a Medicare Supplement plan is the right choice.
  • Find a plan that fits your healthcare needs and budget.

Get personalized support from a local trusted professional. Call (248) 970-0030 (TTY:711) today to schedule your no-cost, no-obligation consultation.

PLEASE NOTE: Medicare Supplement insurance is available to those age 65 and older enrolled in Medicare Parts A and B and, in some states, to those under age 65 eligible for Medicare due to disability or End-Stage Renal disease. Enrollment in a plan may be limited to certain times of the year unless you qualify for a Special Enrollment Period or you are in your Medicare Initial Enrollment Period.

*Disclaimer: Medicare Supplement insurance plans are not connected with or endorsed by the U.S. government or the federal Medicare program.

*Disclaimer: This page has not been reviewed or endorsed by Medicare.gov or any member of the Centers for Medicare & Medicaid Services (CMS).