Medigap / Supplement 

At Brooks Insurance Group, we ensure you have comprehensive coverage for your needs.

Medicare Supplement, or Medigap insurance, bridges the coverage gap left by Original Medicare (Part A and Part B). There are 10 different standardized Medicare Supplement plans to select from. 


Medicare Supplement or Medigap plans are private insurance policies designed to complement Original Medicare (Part A and Part B). While Original Medicare covers a significant portion of your healthcare expenses at 80%, it doesn’t cover everything. Medigap plans help cover the 20% costs that Medicare doesn’t fully pay. 

Benefits of Medicare Supplement & Medigap Plans

Purchasing a Medicare Supplement or Medigap plan can provide many benefits for seniors. These include:

Consistent Coverage: Each Medigap plan letter provides the same coverage, regardless of the insurance company. However, costs can vary from company to company.

Insurance Gap Coverage: Original Medicare provides substantial coverage for hospital and medical services but doesn’t cover everything. Medigap plans help pay for costs that Medicare does not cover. This coverage can include things like Part A (hospital) deductible, Part B coinsurance or copayment, and foreign travel emergencies.

Guaranteed Renewal: As long as you pay your premium, your Medigap or Medicare Supplement policy will renew yearly. An insurance company cannot cancel your policy or raise your rates due to health conditions.

Portability: Medigap plans are not tied to a specific provider network. This means you can see any doctor or specialist that accepts Medicare, regardless of your Medigap insurance provider.

Types of Medicare Supplement & Medigap Plans

There are different kinds of Medicare Supplement plans, and each covers a specific set of costs. These are the plans that you see labeled Plan A  through Plan N. Some of the most notable and common plans are:

Medigap Plan G: This coverage option covers everything except the Original Medicare Part B (medical) deductible, making it a popular choice for many beneficiaries.

Medigap Plan G High Deductible

This plan provides the same benefits as standard Plan G, but with a much lower monthly premium and a higher annual deductible. Beneficiaries must pay all Medicare-covered costs up to the deductible amount before the plan begins to pay. It’s ideal for those who want comprehensive coverage at a reduced premium and are comfortable with higher out-of-pocket expenses early in the year.

Medigap Plan N: This plan provides a lower premium option but requires some cost-sharing for doctor and emergency room visits.

When & How to Enroll in Medicare Supplement & Medigap Plans

It’s best to enroll in a Medicare Supplement or Medigap plan during your Medigap Open Enrollment Period, which begins the first month you are 65. During this period, you have guaranteed issue rights, meaning you cannot be denied coverage or charged more due to pre-existing conditions.

If you miss this period, you may still be able to enroll in a plan, but you could face higher premiums or be denied due to your health history. To purchase a Medigap plan, you must be enrolled in Original Medicare Part A  (hospital) and Part B  (medical).

What to Consider When Choosing a Medicare Supplement & Medigap Plan

When selecting a Medigap plan, it’s essential to evaluate all of the benefits, costs, and access to ensure it’s the coverage you need. Here are some factors to consider:

Benefits:  Evaluate a plan's extra benefits, such as foreign travel emergency coverage, to identify what matters most to you.

Costs: Premiums for the same plan can vary significantly between insurance companies. Get multiple quotes and compare costs.

Coverage Needs: Decide which costs you’re most concerned about (i.e., deductibles, coinsurance, or copayments) and which plans cover those costs.

Understanding the Difference Between Medicare Supplement & Medicare Advantage Plans

It’s important to know the differences between Medicare Supplement or Medigap plans and Medicare Advantage plans (Part C). Here are some key differences:

Medigap supplements Original Medicare, while Medicare Advantage plans are an alternative to it. 

Medicare Advantage plans often include additional benefits such as vision, dental, and wellness programs, but they usually require using in-network providers.

Medigap plans work alongside Original Medicare, allowing you to see any Medicare-approved provider and offering more predictable costs.

Note: Plan C & Plan F aren’t available if you turned 65 on or after January 1, 2020, and to some people under age 65. You might be able to get these plans if you were eligible for Medicare before January 1, 2020, but not yet enrolled.

*Plans F and G also offer a high‑deductible plan in some states. You must pay for Medicare‑covered costs (coinsurance, copayments, and deductibles) up to the deductible amount of $2,870 in 2025 ($2,950 in 2026) before your policy pays anything.

**For Plans K and L, after you meet your out-of-pocket yearly limit and your yearly Part B deductible ($257 in 2025) ($283 in 2026), the Medigap plan pays 100% of covered services for the rest of the calendar year.

***Plan N pays 100% of the costs of Part B services, except for copayments for some office visits and some emergency room visits.

Speak with a broker today to discuss Medicare Supplement options ➜