Medicare Supplement / Medigap — Club Medicare

What is Medigap?

It fills the 20% gap Original Medicare doesn't cover.

Medicare Supplement (Medigap) policies are sold by private insurers and work alongside Original Medicare (Parts A & B). They help cover out-of-pocket costs like coinsurance, copayments, and deductibles.

Unlike Medicare Advantage, a Supplement plan doesn't replace Original Medicare — it works with it. This means you can see any doctor in the country who accepts Medicare without worrying about network restrictions.

Medigap also offers budget predictability. Because the policy covers most of your cost-sharing, you know roughly what your medical expenses will look like each month.

Why clients choose Medigap

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See any Medicare doctor

No network restrictions. Any doctor who accepts Medicare accepts your Medigap plan.

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Predictable monthly costs

Most of your out-of-pocket expenses are covered by the policy.

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Nationwide coverage

Ideal for snowbirds and frequent travelers who see doctors in multiple states.

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Foreign travel emergency

Plans C, D, F, G, M, and N cover emergency care abroad (up to plan limits).

Plan Comparison

Medigap plans at a glance

All Medigap plans are standardized — Plan G from one company covers the same benefits as Plan G from any other. The difference is the premium.

Plan	Part A Coinsurance	Part B Coinsurance	Part A Deductible	Part B Deductible	Foreign Travel Emergency
Plan A	✅	✅	❌	❌	❌
Plan B	✅	✅	✅	❌	❌
Plan D	✅	✅	✅	❌	80%
Plan F*	✅	✅	✅	✅	80%
Plan G ⭐ Popular	✅	✅	✅	❌	80%
Plan K	✅	50%	50%	❌	❌
Plan L	✅	75%	75%	❌	❌
Plan M	✅	✅	50%	❌	80%
Plan N ⭐ Popular	✅	✅**	✅	❌	80%

*Plan F is no longer available to people who became eligible for Medicare on or after January 1, 2020. **Plan N may have copays up to $20 for office visits and $50 for ER visits.

Supplement vs. Advantage

Which is right for you?

Choose Medigap if you…

✓ Want to see any Medicare-accepting doctor
✓ Travel frequently or split time between states
✓ Have frequent medical appointments
✓ Want predictable out-of-pocket costs
✓ Don't need extra benefits like dental/vision

Choose Medicare Advantage if you…

→ Want extra benefits like dental, vision, and hearing
→ Are comfortable staying within a provider network
→ Want a lower monthly premium
→ Live in one geographic area year-round

Not sure which is right for you? That's exactly what we're here for. Book a free consultation →

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Enrollment timing is critical for Medigap

The best time to enroll in a Medigap policy is during your 6-month Medigap Open Enrollment Period — which begins the month you're 65 and enrolled in Part B. During this window, insurers cannot deny coverage or charge more due to pre-existing conditions. After this window, medical underwriting may apply. We'll help you time your enrollment correctly.

We do not offer every plan available in your area. Currently we represent 13 organizations which offer 92 plans in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options. We also offer many top-rated Medicare Supplement organizations.