Compare Medicare Supplement (Medigap) plans. Get help choosing the Right Coverage
If you're Medicare-eligible and want predictable out-of-pocket costs, a Medicare Supplement plan (also called Medigap) could be the right fit.
At Arnett Evans & Company LLC, we help seniors across Texas, Florida, Mississippi, Tennessee, Maryland, and Michigan compare plans, understand coverage, and enroll with confidence - all by phone or virtually.
What Is a Medicare Supplement Plan?
Medicare Supplement plans work alongside Original Medicare (Part A & B) to cover costs like:
These plans are offered by private insurance companies and help reduce or eliminate suprise medical bills.
FAQs
What Does a Medicare Supplement Plan Cover?
Medigap plans help pay for what Original Medicare doesn't, including:
-
20% coinsurance on doctor visits
-
Hospital deductibles
-
Skilled nursing facility costs
-
Foreign travel emergency coverage (in some plans)
Coverage depends on the lettered plan you chose (like Plan G or Plan N).
What Is the Most Popular Medicare Supplement Plan?
Plan G is currently the most popular Medigap plan. It covers:
-
All Medicare-approved gaps except the Part B deductible
-
100% of excess charges
-
Full hospital and outpatient coverage
Can I Keep My Doctor with a Medicare Supplement Plan?
Yes.
Medigap plans do not use networks. You can see any doctor or hospital that accepts Medicare, nationwide.
This makes it a great option for:
-
Frequent travelers
-
Snowbirds living in multiple states
-
People with preferred doctors not in Advantage networks
How Much Do Medicare Supplement Plans Cost?
Monthly premiums vary based on:
-
Your ZIP code
-
Age and gender
-
Tobacco use
-
Insurance provider
While Medigap plans often cost more up front than Medicare Advantage, they offer lower and more predictable out-of-pocket expenses.
Can I have a Medicare Supplement Plan and a Medicare Advantage Plan at the same time?
No.
You must choose either a Medicare Advantage plan or a Medigap Plan, not both. If you choose Medigap, you'll also need to purchase a Part D drug plan separately.
When Can I Enroll in a Medicare Supplement Plan?
The best time to enroll is during your Medigap Open Enrollment Period:
-
Begins the month you turn 65 AND enroll in Part B
-
Lasts for 6 months.
During this time, you can't be denied coverage for pre-existing conditions.
You may still be able to enroll later, but you could be subject to medical underwriting.
Ready to Explore Medicare Supplement Plans?
Whether you're turning 65 or want to switch to a more flexible Medicare option, we're here to help you compare the top-rated Medigap plans in your area.
Medicare Supplement vs Medicare Advantage: Quick Comparison
Feature Medicare Supplement Medicare Advantage
Network Restrictions None – nationwide Yes – HMO or PPO
Predictable Costs ✅ Yes ❌ Varies
Drug Coverage Included ❌ No (add Part D) ✅ Usually included
Dental, Vision, Extras ❌ No ✅ Yes
Monthly Premium Higher Often $0