Review and compare Medicare plans with our help.
Speak with a licensed insurance agent and find the Medicare Supplement plan that fits your doctors, your budget and your area — at no cost to you.
Cover the gaps Original Medicare leaves behind.
Deductibles, coinsurance and copayments add up fast. A Medicare Supplement plan keeps those out-of-pocket costs predictable — and lets you keep your own doctor.
Enroll once. Get it right the first time.
Your Medigap open enrollment window only comes around once. We walk you through eligibility, timing and plan letters in plain English.
Review Medicare plans available in your area
Leading Insurance Carriers
Nationally recognised names, compared side by side.
Affordable Options
Premiums that fit the budget you actually have.
Find the Right Plan for You
Matched to your doctors, prescriptions and ZIP code.
Local Licensed Agents
Real people in your state, on the phone in minutes.
How the parts of Medicare fit together
Original Medicare covers a lot — but not everything. Here is what each part does, and where a Medicare Supplement plan picks up the costs left behind.
“Original” Medicare
Parts A + B- 80% coverage on most outpatient expenses, after deductible
- Does not cover most prescription drugs
- No routine dental, hearing and/or vision coverage
Sign up through Social Security
Prescription Drug Coverage
Part D- Works alongside Original Medicare or plans that don’t already include drug coverage
- Helps pay for your prescriptions, but may have copays and deductibles
- No dental, hearing and/or vision coverage
You generally pay a plan premium in addition to your Part B premium
Medicare Supplement
AKA Medigap- Pays costs of covered services that Original Medicare leaves to you
- Helps with deductibles, coinsurance and copayments
- See any doctor who accepts Medicare — no network restrictions
- Standardised plan letters, so benefits are easy to compare
Monthly premiums vary by plan letter, age and coverage selected
Medicare Advantage
Part C- Typically lower co-pays for in-network doctors and hospital coverage
- Some plans include prescription drug coverage
- Care is usually limited to the plan’s provider network
- Cannot be paired with a Medicare Supplement plan
Some plans may have a low or $0 monthly plan premium
When can you enroll in a Medicare Benefits ?
Medigap has one window that works differently from every other Medicare deadline. Knowing where you sit on this line can change what you pay — and whether you qualify at all.
Your Initial Enrollment Period opens
Seven months long — the three months before your 65th birthday month, that month, and the three after. This is when you sign up for Part A and Part B.
Part A and Part B can begin
Enroll early in the window and coverage usually starts the month you turn 65. Wait until after, and your start date gets pushed back.
Medigap Open Enrollment
During these six months an insurer cannot turn you down or charge you more because of your health. No medical questions. This window opens once and does not come back.
You can still apply — with conditions
In most states insurers may then use medical underwriting, which can mean a higher premium or a declined application. Some states and situations are exceptions.
Note: October 15 – December 7 and January 1 – March 31 are the annual windows for Medicare Advantage and Part D — not for Medicare Supplement. Medigap runs on your own Part B date, which is why two people the same age can have completely different deadlines.
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