Medicare Supplement Plans That Help You Cover the Gaps
Original
Medicare
leaves some costs up to you. That’s where Medicare Supplement Insurance (also called Medigap) comes in. These plans help cover deductibles, copays, and coinsurance, and we help folks across Midlothian, Richmond, and Central Virginia find the right fit with honest, face-to-face advice.
What Is a Medicare Supplement Plan?
Medicare Supplement plans work alongside your Original Medicare to help cover out-of-pocket costs. They don’t replace your Medicare Part A or B coverage — they simply help pay the part Medicare doesn’t. This can include things like hospital deductibles, skilled nursing coinsurance, and excess charges.
What These Plans Cover
Depending on which plan you choose (Plans A, G, N, etc.), coverage can include:
- Part A hospital deductible
- Part B coinsurance & excess charges
- Skilled nursing facility care coinsurance
- Foreign travel emergency coverage
You can see any doctor who accepts Medicare, no referrals or networks required. We’ll walk you through the differences and help you choose a plan based on your needs and budget.
Medigap vs Medicare Advantage
Medigap plans let you keep Original Medicare and choose your own providers. Medicare Advantage plans replace Medicare and often include extras like dental or vision, but they typically have networks and copays. We’ll help you decide what’s right for your situation.
When to Enroll
Your best time to enroll in a Medigap plan is during your Medicare Supplement Open Enrollment Period — a 6-month window that starts the month you’re both 65 and enrolled in Part B. After that, you may be subject to health questions.
Local Help You
Can Trust
We meet with clients across Central Virginia to explain Medigap options in plain English and compare quotes from top carriers. No pressure, no confusion — just local help you can count on.
Medicare Supplement Plans (Medigap) FAQs
Can I switch Medigap plans later?
Yes, but you may have to answer health questions unless you qualify for guaranteed issue rights.
Do Medigap plans include drug coverage?
No, you’ll need to enroll in a separate Part D drug plan.
Are all Medigap plans the same?
Coverage is standardized by plan letter (A, G, N, etc.), but prices and carrier service vary.
Is Plan G the most popular?
Yes, Plan G is widely used because it covers nearly all gaps except the Part B deductible.
Can I use Medigap anywhere?
Yes, you can see any provider in the U.S. that accepts Medicare.
