Medigap – Medicare Supplement Insurance
Original Medicare (Parts A & B) covers a lot, but it doesn’t cover everything. That’s where a Medicare Supplement plan, also called Medigap, can make a big difference.
I’m Jake McGeoy, your local Medicare supplemental agent, and I help people find the right Medigap plan to fill the gaps in their Medicare coverage—so you’re not left with surprise bills.
What Does Medigap Cover?
Medigap helps pay for the out-of-pocket costs Original Medicare leaves behind, including:
- Part A deductible – Hospital deductible costs can add up quickly.
- Part B coinsurance & copays – Covers the 20% Medicare doesn’t pay for doctor visits, tests, and outpatient care.
- Hospital costs after Medicare limits – Covers up to an additional 365 days in the hospital.
- Skilled nursing facility coinsurance
- Blood transfusions (first 3 pints)
- Foreign travel emergency coverage – Some plans cover you up to a set limit.
Why People Choose Medigap
- Freedom to see any doctor who accepts Medicare—no networks.
- Predictable costs – Fewer surprise bills, easier to budget.
- Nationwide coverage – Your plan travels with you.
- Guaranteed renewable – You can’t be dropped if you pay your premiums.
Medigap vs. Medicare Advantage
- Medigap works with Original Medicare, letting you see any provider nationwide who accepts Medicare.
- Medicare Advantage (Part C) replaces Original Medicare with a private plan that may have provider networks.
I can help you compare both so you choose what’s right for your lifestyle, health, and budget.
When to Enroll in Medigap
The best time to enroll is during your Medigap Open Enrollment Period:
This 6-month window starts the month you’re 65 or older and enrolled in Part B.
During this time, you can’t be denied coverage or charged more due to health conditions.
