Medicare Supplement Plans (Medigap)
Coverage that fills the gaps in Original Medicare
Medicare Supplement Insurance—often called Medigap—helps pay for the costs that Original Medicare doesn’t cover. From deductibles to coinsurance, these plans offer reliable protection and predictable expenses for people who want more complete healthcare coverage.
Understanding Medicare Supplement Insurance
How Medigap plans work alongside Medicare
Medicare Supplement plans, also known as Medigap, are policies offered by private insurance companies to cover the “gaps” left by Medicare Parts A and B. These gaps include costs like hospital deductibles, coinsurance, and copayments that can add up quickly. Medigap policies are standardized, which means that Plan G from one company offers the same benefits as Plan G from another. This allows our team to focus on helping you find the most affordable premium from a reputable carrier. With decades of experience, Triangle Medicare Solutions simplifies your options so you can make confident, cost-effective choices for your healthcare coverage.
Key Benefits of Medigap Coverage
Why so many Medicare beneficiaries choose a supplement
Medigap plans give you more freedom and predictability than most other Medicare options. Here’s what makes them so popular:
Freedom to Choose Providers
Medigap plans let you visit any doctor or hospital nationwide that accepts Medicare—no networks, referrals, or restrictions. This makes them ideal for those who travel or want flexibility in their care.
Predictable Costs
With a monthly premium, Medigap helps you avoid surprise medical bills. Plans like Medicare Supplement Plan G cover nearly all out-of-pocket expenses except the small Part B deductible.
Peace of Mind
Many seniors choose Medigap because it minimizes unexpected medical costs and allows them to focus on their health instead of their bills.
Portable Protection
Coverage travels with you anywhere in the United States, and some plans even include limited foreign travel emergency benefits.
Is a Medicare Supplement Plan Right for You?
Understanding who benefits most from Medigap
Medicare Supplement plans are a great fit for people who value consistent, reliable coverage and flexibility. They work especially well for those who visit doctors frequently, travel between states, or want access to any Medicare-accepting provider. Since Medigap doesn’t use provider networks, you can see your preferred specialists without worrying about referrals or out-of-network costs.
For some, a Medicare Advantage plan may be more appealing due to its extra benefits and lower monthly premium. The right choice depends on your lifestyle, health needs, and budget. Our advisors take the time to compare both paths—Medigap versus Advantage—so you can find what truly fits you.
Popular Medigap Plan Options
Finding the right letter plan for your needs
Every Medigap plan is labeled with a letter (A, B, C, D, F, G, K, L, M, N), and each offers a different level of coverage. Plan G is the most comprehensive option available to new Medicare enrollees—it covers nearly every cost except the annual Part B deductible. Plan N offers a lower premium in exchange for small copays at doctor visits and the ER, making it a popular budget-friendly alternative.
While Plan F was once the most comprehensive choice, it’s only available to those who became eligible for Medicare before 2020. The good news? Plans G and N provide nearly the same protection and are often more cost-effective. If you’re not sure which letter plan fits your situation, our team can walk you through the details and provide quotes from top carriers in your area.
Medicare Supplement Plans FAQ
Common questions about Medigap coverage
Can I use a Medicare Supplement plan with any doctor?
Yes. You can see any doctor or hospital nationwide that accepts Medicare patients—no networks or referrals are required. This makes Medigap especially convenient for people who travel or want the flexibility to see specialists without restrictions.
How much do Medicare Supplement plans cost?
Premiums vary based on factors like age, plan letter, and insurance company. For example, in North Carolina, a 65-year-old might expect to pay roughly $120–$150 per month for Plan G or $90–$120 for Plan N. Prices differ by insurer and area, so it’s best to request a personalized quote to find your most affordable option.
What’s the difference between Plan G and Plan N?
Plan G covers nearly all out-of-pocket costs except for the small annual Part B deductible. Plan N typically has lower monthly premiums but includes modest copays ($20 for doctor visits, $50 for ER visits) and doesn’t cover Part B excess charges. Both are strong choices depending on your budget and preferences.
Can I switch Medicare Supplement plans later?
Yes, but timing matters. During your first six months on Medicare Part B, you can enroll in any Medigap plan without answering health questions. After that window, insurers can require medical underwriting, meaning your approval or rate could depend on your health history. We help clients explore options and find carriers with flexible underwriting if they want to switch.
Do Medicare Supplements include prescription or dental coverage?
No. Medigap plans only cover gaps in Medicare Parts A and B. You’ll need a separate Part D prescription plan for medications and can add dental or vision coverage through a standalone plan if desired.
