Medicare Supplement Plans Made Simple
Medicare Supplement Plans (Medigap)
Protect your retirement savings with the right coverage.

Original Medicare (Parts A & B) covers a lot—but not everything. That’s where a Medicare Supplement, also known as a Medigap policy, comes in. These plans help cover the out-of-pocket costs that Medicare leaves behind, such as deductibles, copays, and coinsurance.
What You Could Be Paying Without a Supplement in 2025:
- Part A Deductible: $1,676 per benefit period — and you could have multiple benefit periods in one year.
- Hospital Copays: After 60 days in the hospital, you’ll start paying daily copays, reaching up to $838 per day after day 90.
- Skilled Nursing Care: After 20 days, daily copays apply.
- Part B Deductible: $185 annually.
- Part B Coinsurance: You typically pay 20% of costs for doctor visits and durable medical equipment.
These expenses can add up quickly and take a serious toll on your retirement savings.
How a Medigap Plan Helps:
Medicare Supplement plans cover most of these gaps, giving you more predictable healthcare costs and peace of mind. These policies are standardized and labeled by letters (like Plan A, G, N, etc.), meaning the benefits are the same no matter which insurance company you choose. The only difference is price.
That’s why it’s essential to compare plans available in your ZIP code to find the best value.
Need help choosing the right plan?
Give us a call today for a free comparison and personalized explanation. We'll help you find a Medicare Supplement that fits your needs—and your budget.
