Medicare Supplements (Medigap)
Medicare Supplement plans—also known as Medigap—are private insurance policies designed to help pay the out-of-pocket costs that Original Medicare (Parts A & B) doesn’t cover. These costs can include deductibles, copayments, coinsurance, and excess charges, which can quickly add up without the right coverage in place.
Medigap plans are standardized by the federal government, meaning each plan with the same letter (e.g., Plan G, Plan N) offers the same basic benefits, regardless of the insurance company that sells it. The difference comes down to monthly premiums, service, and added features.
At Core Coverage Group, we simplify Medicare by helping you choose the right Medigap plan for peace of mind and predictable healthcare costs.
How do Medicare Supplement Plans Work?
When you have Original Medicare and a Medicare Supplement plan:
Medicare pays its share of approved healthcare costs.
Your Medigap policy then pays its share—depending on the plan you choose.
You are left with little to no out-of-pocket costs for covered services.
This coordination allows you to:
Visit any doctor or hospital that accepts Medicare nationwide—no referrals or networks.
Plan your healthcare costs with predictable monthly premiums.
Focus on your health without surprise bills for routine care or emergency services.
Frequently asked questions
What is the difference between Medigap and Medicare Advantage?
Medigap works with Original Medicare, while Medicare Advantage replaces it. Medigap offers nationwide access to providers and helps cover out-of-pocket costs. Medicare Advantage uses provider networks and typically includes extra benefits like dental and vision.
Do Medicare Supplement plans include drug coverage?
No. Medigap plans do not include prescription drug coverage. You’ll need to enroll in a separate Part D plan to cover medications.
Can I be denied a Medigap policy?
During your Open Enrollment Period, you cannot be denied. After that, you may need to go through medical underwriting, and coverage is not guaranteed.
Can I use my Medigap plan anywhere?
Yes! As long as the provider accepts Medicare, you can use your Medigap plan anywhere in the U.S. No referrals, no networks.
How do I compare Medigap plans?
Plans are standardized by letter (e.g., Plan G, Plan N), but premiums vary by company. We’ll help you compare costs and coverage to find the best fit for your needs and budget.
Please reach us at info@corecoveragegroup.com if you cannot find an answer to your question.