MEDICARE SUPPLEMENT

What is Medicare Supplement (Medigap)?

Medicare Supplement Insurance (Medigap) is a plan provided by private insurance companies to help cover the out-of-pocket costs that Original Medicare doesn’t, such as deductibles, copayments, and coinsurance. It’s designed to give you more predictable healthcare costs and the flexibility to see any doctor or specialist who accepts Medicare, without network restrictions.

You can choose from a range of standardized plans, each offering different levels of coverage. Common options include:

PLAN F

PLAN G

PLAN N

Medigap is ideal if you want stable, predictable coverage and the freedom to access care anywhere in the U.S. with no surprise bills or limitations. At HealthFocus Partners, we help you understand these options and select the plan that works best for your health and budget.

HealthFocus Partners, HFP, Independent Insurance Agency, Medicare Specialists, Medicare Advantage, Medicare Supplement, Under

Is a Medicare Supplement (Medigap) Policy Right for You?

Medigap may be a great option if you’re enrolled in Original Medicare and want to lower your out-of-pocket expenses. These plans are perfect for those who:

Have ongoing healthcare needs and want to manage costs more easily

Travel frequently within the U.S. and need nationwide coverage

Prefer comprehensive, stable coverage without worrying about network restrictions

Medigap gives you the freedom to see any provider that accepts Medicare, which is a big benefit for those who value flexibility and peace of mind in managing their healthcare costs. HealthFocus Partners is here to guide you through this process, ensuring you choose the plan that others the right level of coverage for your unique needs.

Important Things to Know About Medigap

Before you choose a Medigap plan, here are a few important things to keep in mind:

Eligibility: You must be enrolled in Original Medicare (Parts A and B) to be eligible for Medigap.

Enrollment Period: The best time to apply for Medigap is during your Medicare Supplement Open Enrollment Period, which lasts for 6 months beginning the month you turn 65 and are enrolled in Part B. During this time, you can enroll in a Medigap plan without health questions or medical underwriting.

Prescription Drugs: Medigap plans do not cover prescription drugs, but you can add a Part D Prescription Drug Plan for drug coverage. (We will help with this too!)

Premiums: Medigap plans are standardized, but premiums can vary significantly depending on the carrier. By working with us, you’ll have access to a range of plans to compare prices and find the best value.

Our goal is to help you navigate all these factors to find the plan that suits your healthcare needs and financial situation.

HOW IT WORKS

Easy, fast and hassle-free!

1

Understanding Your Needs

We begin with a conversation to understand your health goals, budget, and unique circumstances. This allows us to assess your needs and identify the most appropriate coverage options ensuring you’re only paying for what truly benefits you.

2

Exploring Plan Options

Next, we present plans tailored to your specific situation. We’ll walk you through the details, explaining the benefits, costs, and trade-offs in clear, straightforward terms. Our goal is to empower you with the information you need to make an informed decision.

3

Plan Selection & Enrollment

Once you’ve selected the plan that best meets your needs, we’ll guide you through the enrollment process from start to finish. We handle the details to ensure everything is accurate and submitted on time, so your coverage is set up without unnecessary stress.

4

Post-Enrollment Support

Our service doesn’t stop after enrollment. As your agent, we’re here to answer your questions, clarify your benefits, and help you review your options during future enrollment periods. You can count on us as a trusted resource throughout your coverage journey.

SPEAK TO AN AGENT

Medigap vs. Medicare Advantage

When deciding between Medicare Supplement Insurance (Medigap) and Medicare Advantage, it's important to understand the differences.

Choosing between these options depends on your healthcare needs, budget, and preferences for flexibility. HealthFocus Partners can help you evaluate both options and determine which is best for you.

MEDIGAP

Medigap works alongside Original Medicare to help cover costs like deductibles and coinsurance. It offers flexibility to visit any doctor or specialist that accepts Medicare and provides more predictable out-of-pocket costs.

Medicare Advantage

Medicare Advantage is an all-in-one plan that bundles Part A (hospital), Part B (medical), and often Part D (prescription drugs). While it may have lower monthly premiums, Medicare Advantage plans often come with network restrictions and require referrals for specialists.

Making the Right Choice with HealthFocus Partners

At HealthFocus Partners, we specialize in helping you find the right Medigap plan tailored to your specific needs. With access to multiple top-rated insurance carriers, we give you a variety of options to compare and at the lowest price, ensuring any discounts are being applied.

Our services are free of charge and designed to ensure that you can make informed, confident decisions without any pressure.

We will guide you through the decision-making process, from understanding the different Medigap plans (like Plan F, Plan G, and Plan N) to help you compare premiums and benefits from a range of trusted carriers. Our goal is to make the process simple and stress-free, so you get the coverage you need with peace of mind.

CLIENT REVIEWS

We’re proud to have earned the trust of so many clients who count on us for clear guidance, honest advice, and ongoing support. Their experiences reflect our commitment to making health insurance less overwhelming and more personal. See what real clients have to say about working with HealthFocus Partners.

"I was totally overwhelmed trying to figure out Medicare on my own. Patrick made it so simple. He explained everything in plain English and never pushed me into anything. I ended up with a plan that actually saves me money." 

Linda M., Lancaster, PA

"My agent took the time to understand what I needed, and it wasn’t just a quick sales pitch. I felt like I was talking to a friend who really knew their stuff. I’ve already recommended them to three of my friends!" 

George R., Pittsburgh, PA

"I had no idea there were so many options. HFP helped me compare plans from different companies and made the whole process painless. I feel confident I picked the right plan and that means a lot."

Nancy D., Scranton, PA

GET STARTED TODAY

Clear advice, and quick responses—whether you need a quote or have questions, we make it simple. Got questions? Get answers here.