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Medigap Supplemental Insurance

Licensed in NY, NJ, FL, PA, GA, NC, MD, VA, OH, TX, MI, SC and WV


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What’s Medigap Insurance?

Your Medicare will always include residual costs, like copays and deductibles. Not only that, it won’t cover every medical procedure at full cost. Some, it won’t cover at all. Medigap coverage is a privately-offered plan to help cover the gaps left by original Medicare.

Sometimes, these plans are called Medicare Supplemental coverage. They supplement the costs you’d pay out-of-pocket if you have Original Medicare. All in all, think of this coverage as a way to further reduce your medical care costs.

What does a Medigap plan cover?

You can use a Medicare supplemental plan to cover various costs. These might include:

  • Services not covered by Original Medicare, like blood transfusions or skilled nursing care
  • Co-payments, coinsurance and deductibles from Medicare Part A and Part B
  • Emergency care needed during foreign travel

There are various types of Medigap plans. Each one will include different coverage for different care needs. Talk to your agent about which one is right for you.

Keep in mind, Medigap coverage is not the same thing as a Medicare Advantage plan. Medicare Advantage plans can include Parts A, B and D in addition to certain extra coverage. Medigap coverage only supplements the costs of standard Original Medicare.

Medigap Plan Options

The different Medigap plans are labeled Plans A-N. Which plan you need will depend on factors such as premiums, out of pocket cost and your personal needs.  Some of the most popular options include Plans F, G and N.

Plan F Covers:

  • Part A hospital and coinsurance costs up to an additional 356 days after Medicare benefits are exhausted
  • Medicare Part A hospice care copayment or coinsurance
  • Medicare Part B coinsurance
  • Medicare Part B excess charges
  • Medicare Part A deductible
  • Medicare Part B deductible
  • First three pints of blood used in an approved medical procedure (annually)
  • Skilled nursing facility coinsurance
  • Foreign travel emergency coverage (80%, up to plan limits)
Click for more information on Medicare Plan F

Plan G Covers:

  • Medicare Part A inpatient hospital coinsurance and hospital costs up to 365 days after Original Medicare benefits are exhausted
  • Medicare Part A hospice care coinsurance or copayment
  • Medicare Part A deductible
  • Medicare Part B coinsurance or copayment
  • Medicare Part B excess charges
  • First three pints of blood for a medical procedure used in a year
  • Skilled nursing facility care coinsurance coverage
  • Foreign travel emergency coverage (80%, up to plan limits)

Plan N Covers:

  • Part A hospital coinsurance and hospital costs up to 365 days after Original Medicare benefits run out
  • Part A hospice care copayment or coinsurance
  • Part A deductible
  • Part B coinsurance costs (except for office visits and emergency room visits)
  • Part B preventive care coinsurance
  • First three pints of blood used in a medical procedure
  • Skilled nursing facility (SNF) coinsurance
To qualify for Medicare supplemental options, you usually must carry Original Medicare (Parts A&B). Keep in mind, these plans do not offer Part D prescription drug coverage, nor do they cover things like dental, vision or hearing aid services. New subscribers also cannot purchase plans E, H, I, and J.

When can I enroll in a Medicare Supplement?

If you have Medicare Part B, you can enroll in a Medigap plan up to six months after the first day of the month you turn 65. Click for more information on enrolling in Medicare Supplement Plans.

If you don’t have Part B, you’ll first have to enroll in that coverage. Then, you’ll have six months after the signup date for Part B to enroll in a Medigap plan. If you don’t enroll during these periods, then you might not qualify, or pay more for coverage.

Choosing your Medicare Supplemental

All Medicare supplementals differ. Therefore, you’ll need to talk to one of our agents at 877-209-4949 about how which protection is best for you. Based on factors like your age, overall health, location and financial status, each plan might have its benefits.

Remember, you will have to pay a monthly premium for this coverage, and that too will vary based on different factors. We’ll help you determine how to keep costs within an affordable line. Check out our info on whether or not you can carry both Medigap and Medicare Advantage plans.

Our Mission

Senior Market Agents Network is an Independent Insurance Agency
Our goal is to make sure you get the best coverage available while keeping Out of Pocket cost to a minimum. There is No Fee for our service. We are compensated directly from the Carriers. We will provide you the same rate as if you went directly to the insurance carriers.


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Senior Market Agents Network is not connected with or endorsed by the United States government or the federal Medicare program. Senior Market Agents Network is an Independent Insurance Agency Licensed in New Jersey, New York, Pennsylvania, Maryland, Virginia, West Virginia, South Carolina, North Carolina, Georgia, Florida, Ohio, Texas, Arizona and Michigan.