Medicare Supplement (Medigap) Plans for Seniors in the Southeast, Midwest & Beyond

Medicare pays for a lot—but not everything. If you want help covering deductibles, copays & coinsurance, a Medicare Supplement plan (also called Medigap) might be the right fit. We help seniors across Alabama, Florida, Georgia, Illinois, Missouri, Nevada, North Carolina, South Carolina, Tennessee & Virginia compare plans and enroll with confidence.

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What Is a Medigap Plan?

Medigap plans are private insurance policies that work alongside Original Medicare (Parts A & B). They help pay for:

  • Part A deductibles
  • Part B copays & coinsurance
  • Skilled nursing or long hospital stays
  • Foreign emergency travel care
  • Other out-of-pocket costs Medicare doesn’t cover

These plans are standardized, meaning Plan G or Plan N will offer the same core benefits no matter which carrier you choose. We help you compare pricing and service across top-rated insurers.

Who Is Medigap Right For?

You may want a Medicare Supplement plan if you:

  • Want freedom to see any doctor that accepts Medicare
  • Travel frequently between states or split time between homes
  • Don’t want to deal with provider networks or referrals
  • Prefer predictable out-of-pocket costs year-round
  • Are looking for peace of mind over long-term medical expenses

Seniors throughout the South and Midwest—from Tampa to Kansas City—choose Medigap when flexibility and reliability are a priority.

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Popular Medigap Plan Options

In most states we serve, the most common options include:

  • Plan G – Comprehensive coverage (minus the small Part B deductible)
  • Plan N – Slightly lower premiums with cost-sharing for office visits
  • Plan A – Basic coverage for those on a tighter budget

We’ll help you understand how each plan works and how it fits with your specific healthcare needs and budget.

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Medigap vs Medicare Advantage

Medigap Medicare Advantage
Doctor choice Any provider that accepts Medicare Must use the plan’s network
Drug coverage Add a separate Part D plan Often included in one plan
Monthly cost Higher premiums, fewer out-of-pocket costs Lower premiums, more cost-sharing
Referrals required? No Sometimes
Travel coverage Good nationwide + foreign travel Usually limited to your home service area

We’ll help you decide which path makes more sense based on your lifestyle and priorities.

When to Enroll in Medigap

The best time to enroll is during your Medigap Open Enrollment Period, which:

  • Starts the month you're 65 or older and enrolled in Medicare Part B
  • Lasts 6 months
  • Guarantees you access to any plan without health underwriting

After this window, you may be asked health questions and could be denied or charged more. That’s why it’s best to act early.

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Local Service Across 10 States

We work with clients in every corner of our region—from suburban Charlotte to the Florida Panhandle, and from central Illinois to Las Vegas. We’ll compare carriers and rates in your ZIP code, help you understand your rights, and walk you through the entire application—no pressure.

Find the Right Medigap Plan With Help You Can Trust

Medicare Supplement plans offer peace of mind and predictability. We’ll help you compare quotes, explain the fine print, and make sure you choose a plan that fits.

FAQ – Medicare Supplement Plans

  • Do I need a Medigap plan if I already have Medicare?

    Medicare covers a lot, but not everything. Medigap fills in those gaps—especially if you want predictable costs and full access to doctors.

  • Does Medigap include prescription drug coverage?

    No. You’ll need to enroll in a separate Medicare Part D plan for medications. We’ll help you choose one that matches your prescriptions.

  • Can I be denied Medigap coverage?

    You might qualify for a Special Enrollment Period. If not, we can help with short-term medical or health sharing options.

  • Can I switch plans later?

    Yes, but depending on where you live and your health, switching may require medical underwriting. We’ll explain your state’s rules and timing.

  • Will this work if I live in more than one state each year?

    Yes. Medigap works anywhere Medicare is accepted, which makes it ideal for snowbirds, retirees who travel, or those with two residences.