Medicare Supplement Plans (Medigap)
No Surprise Bills. Any Doctor. Total Peace of Mind.
Medicare Supplement plans fill the gaps Original Medicare leaves behind — so you know exactly what you’ll pay before you ever see a doctor.
Why Choose a Medicare Supplement Plans (Medigap):
- No networks, no referrals — see any doctor or specialist in the country who accepts Medicare, without asking permission first
- No surprise bills — your costs are predictable every month, so a hospital stay or major procedure won’t catch you off guard
- Coverage that travels with you — whether you’re home in Rhode Island or spending the winter in Florida, your coverage works anywhere Medicare is accepted
THE BASICS
What is Medicare Supplement?
Original Medicare Doesn’t Cover Everything — Medigap Does
Original Medicare covers a lot, but it leaves you responsible for deductibles, copays, and coinsurance that can add up fast. A Medicare Supplement plan — also called Medigap — picks up those leftover costs so you’re not caught off guard by a big bill after a hospital stay or procedure.
Unlike Medicare Advantage, there are no networks. You can see any doctor or specialist in the country who accepts Medicare — no referrals, no restrictions.
Is it Right for you?
Medigap Tends to Be the Right Fit If…
- You want predictable, consistent healthcare costs
- You see specialists or have ongoing health needs
- You travel frequently or split time between states
- You want the freedom to see any Medicare-accepting doctor
- Peace of mind matters more to you than a low premium
There are several Medigap plan types — Plan G and Plan N are the most popular right now — but the premiums for the exact same plan vary significantly from carrier to carrier. Miss your initial enrollment window and carriers can deny you or charge more based on your health. These are the details that matter, and the ones I make sure my clients get right.
Medigap plans have higher monthly premiums than most Medicare Advantage plans — but for many of my clients, the predictability and freedom are worth every penny. It really depends on your situation, and that’s the conversation I’m here to have.
Frequently Asked Questions
Medicare Supplement (Medigap) plans help pay costs Original Medicare doesn’t, such as deductibles, copayments and coinsurance. Plans are standardized by letter (like Plan G or Plan N), so the same plan letter has the same benefits no matter which company sells it — only the price differs.
During your Medigap Open Enrollment Period: the 6 months that start the month you’re 65 or older and enrolled in Part B. In this window, insurance companies generally can’t deny you or charge more because of your health.
No. Medigap plans don’t cover prescriptions, so most people pair their Supplement with a stand-alone Part D prescription drug plan.
Yes. A Medicare Supplement lets you see any doctor or hospital in the U.S. that accepts Medicare — no networks or referrals.
Related services: Prescription Drug Plans (Part D) · Dental & Vision Insurance · Medicare Advantage Plans
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PLEASE NOTE: This Consent to Contact Form is optional. Submitting this optional form does NOT obligate you to enroll in a plan, affect your current or future Medicare enrollment, or automatically enroll you in a plan. By completing this form, your information will be provided to Ellen Daniels, a licensed insurance agent. You may be contacted by Ellen Daniels who is a licensed and certified representative of Medicare Advantage organizations and/or stand-alone Prescription Drug Plans. Each of the organizations they represent has a Medicare contract. Not affiliated nor endorsed by Medicare or any government agency.