A couple dressed in warm clothes walking hand in hand on a grassy hill with foggy mountains in the background.

Maximizing Your Medicare with Supplement Plans

Medicare Supplement plans, also known as Medigap, are private insurance policies that help cover out-of-pocket costs not included in Original Medicare, like copayments, coinsurance, and deductibles. These plans work alongside Medicare Parts A and B, offering additional coverage for medical expenses and sometimes emergency care while traveling abroad. Medigap plans are standardized across most states, labeled from A to N, each offering different levels of coverage.

Request More Information

Freedom

Choose your own doctors and hospitals                                                             

Referrals

You do not need a referral to see a specialist                                                                   

Predictable

After a small deductible ($257 in 2025) your out-of-pocket costs are zero with Plan G

Nationwide Coverage

You can use it anywhere in the United States                                                                                                                            

Foreign Travel Coverage

Available on some plans                                                                                                                      

Guaranteed renewability

Your coverage will never change and you will not be dropped as long as the premium is paid.

What you need to know about Medicare Supplement insurance:

  • You must have Part A and Part B to buy a Medigap policy.
  • Medicare Supplement plans cover only one person. Your spouse must have his or her own individual policy.
  • You can drop your supplement at any time. There is no annual election period for Medicare Supplement plans.
  • The Annual Election Period in the fall is for drug plans. It does not apply to Medicare supplements in any way.
  • Many carriers offer household discounts if two or more people enroll in Medicare supplemental plans from the same company.
  • Plans do not include Part D, so you’ll add a separate standalone Part D drug plan.

Ready to get started?

Finding the right health insurance plan doesn’t have to be complicated. Whether you're exploring new options or seeking expert guidance, MD Insurance and Financial Advisors are here to make the process simple and stress-free. Contact us today for a no-obligation consultation and discover why so many clients trust us with their coverage needs.

Call Or Schedule An Appointment