Medicare Supplement Plans (Medigap)
Extra coverage for extra peace of mind.
What Is a Medicare Supplement Plan?
Medicare Supplement Plans (also known as Medigap) are designed to help cover the out-of-pocket costs that Original Medicare doesn’t pay. These plans are offered by private insurance companies and work alongside your Medicare Part A and Part B coverage. We can help you understand Medicare Supplement Plans in Oak Lawn and the surrounding suburbs.
Common costs Medigap can help with:
- Deductibles
- Coinsurance
- Copayments
What’s the Difference Between Medigap and Medicare Advantage?
It’s important to know: You cannot have both a Medicare Advantage Plan and a Medigap plan at the same time.
Standardized Plan Options
In Illinois and most states, Medigap plans are standardized and labeled by letters (A, B, D, G, K, L, M, and N).
Plan G and Plan N are among the most popular
Each lettered plan covers a different set of benefits, but companies offering the same lettered plan must offer identical coverage
Did You Know? We can help you compare plans and pricing across multiple carriers.
Who Should Consider Medigap?
A Medicare Supplement plan may be right for you if:
You want predictable, lower out-of-pocket costs
You prefer seeing any doctor or specialist that accepts Medicare
You plan to travel within the U.S. or internationally
When Can You Enroll in a Medigap Plan?
Your Medigap Open Enrollment Period is a one-time 6-month window that begins the month you’re both 65 or older and enrolled in Medicare Part B.
During this window, you can buy any Medigap policy offered in your area without medical underwriting
After this period, you may be subject to health questions or denied coverage based on medical history
Reminder: Medigap and Part D drug plans must be purchased separately
NOTE: Outside of your initial enrollment window, you may be subject to medical underwriting.
Ready to Compare Medigap Plans?
We’ll walk you through your options, answer your questions, and help you find a plan that fits your needs and your budget.