Medigap
Learn about the main features
Medicare Supplement Insurance (Medigap) is extra insurance you can buy from a private health insurance company to help pay your share of out-of-pocket costs in Original Medicare. You must have Original Medicare – both Part A (Hospital Insurance) and Part B (Medical Insurance) – to buy a Medigap policy.
In most cases, you won’t have a right under federal law to switch Medigap policies, unless: You're within your 6-month Medigap open enrollment period, or You're eligible under a specific situation or guaranteed issue right (when an insurance company can’t deny you a Medigap policy).
You also have the right to switch or drop your Medigap policy in some situations under federal law. Check with your State Insurance Department about what rights you might have under state law.
If you have a guaranteed issue right, an insurance company:
Must sell you a Medigap policy
Must cover all your pre-existing health conditions
Can't charge you more for a Medigap policy because of past or present health problems
Contact one of our professional Agent to help you find the right type of Supplemet/Medigap Plan.
General disclaimers
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1–800–MEDICARE (TTY users should call 1-877-486-2048) 24 hours a day/7 days a week to get information on all of your options.
Agency represents Medicare HMO, PPO, and PFFS organizations and stand-alone PDP prescription drug plans that have a Medicare contract. Enrollment depends on the plan’s contract renewal.