Medicare Supplements (Medigap)

Medicare supplements, or Medigap plans, are designed to fill the gaps left by traditional Medicare, covering costs like deductibles, coinsurance, and copayments. Think of it this way: Medicare pays 80% of your healthcare expenses, and your Medicare supplement plan covers the remaining 20%.

Medigap plans are particularly useful because they allow you to see any doctor who accepts Medicare, without the hassle of network restrictions. You can enroll in a Medigap plan within the first six months of having both Medicare Part A and Part B, ensuring coverage no matter your health status.

Why it’s important: Medicare supplements give you peace of mind by covering the healthcare expenses that Medicare alone doesn’t pay. Plus, there are no network restrictions, meaning you have access to any doctor or specialist that accepts Medicare across the U.S.