Original Medicare pays for about 80% of your hospital and medical bills. The remaining 20%—which has no annual limit—is your responsibility. This 20% gap can be financially devastating in the event of a serious illness.
Medicare Supplement (Medigap) policies are sold by private companies to fill these “gaps.” They pay some or all of the remaining healthcare costs, such as copayments, coinsurance, and deductibles.
See any doctor, specialist, or hospital in the U.S. that accepts Medicare. No referrals needed.
As long as you pay your premiums, your policy can never be cancelled due to health conditions.
The best time to buy a Medigap policy is during your Medigap Open Enrollment Period. This 6-month period begins the first day of the month you turn 65 and are enrolled in Part B.
During this time, you can buy any Medigap policy sold in your state, even if you have health problems. You cannot be denied or charged more due to pre-existing conditions.
We are legally committed to putting your best interest first—always.
Your coverage is customized based on real needs not generic plan options.
We simplify complex options by comparing plans across multiple carriers.
Annual reviews and year-round help when changes or questions arise.
We review your health, prescriptions, doctors, and budget to establish a clear starting point.
We analyze plans across multiple carriers to find the best fit for your needs.
We handle enrollment and continue reviewing your coverage as plans change each year.
See how individuals and families gained clarity, reduced healthcare costs, and chose coverage that truly fits their needs.
We help individuals understand their coverage options and make informed decisions with confidence.
Side-by-side comparisons make it easier to choose coverage that fits health needs and budgets.
Below are answers to the most frequent questions we hear from individuals preparing for or already enrolled in Medicare.
No. Medigap plans sold after 2006 are not allowed to include drug coverage. You must purchase a standalone Medicare Part D plan.
Generally, no. Medigap covers only what Original Medicare covers. Routine dental, vision, and hearing are not covered expenses under Original Medicare, so Medigap does not pay for them.
Technically yes, but if you are outside your open enrollment window, you may be subject to medical underwriting. This means the insurance company can check your health history and deny you coverage or charge a higher premium.
Take the next step with a complimentary consultation and get personalized support from a licensed, independent advisor—no pressure, no obligation.
