PIERCE
INSURANCE SOLUTIONS
MEDICARE SUPPLEMENT (MEDIGAP)

Medicare Supplement: fewer surprise bills

Original Medicare pays a big share of your costs, but not all of them. A Medicare Supplement plan, also called Medigap, helps pay what’s left: deductibles, copays and the 20% you’d otherwise owe for doctor visits and outpatient care.

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KEY FACTS

What to know

Plans are labeled with letters. Common ones are Plan G and Plan N. The benefits for each letter are set by law, so Plan G from one company covers the same things as Plan G from another. The price and customer service are what differ.
See any doctor who takes Medicare. There are no networks. That includes doctors and hospitals anywhere in the U.S.
No referrals needed to see a specialist.
It doesn’t cover prescriptions. Most people pair a Medigap plan with a Part D drug plan.
It usually doesn’t cover dental, vision or hearing. A separate dental plan can fill that gap.
You pay a monthly premium for the plan, on top of your Part B premium.
Plans C and F are only open to people who were eligible for Medicare before January 1, 2020.
It can’t be used with Medicare Advantage.
TIMING

The best time to buy

Your Medigap Open Enrollment Period is a one-time, 6-month window. It starts the month you’re 65 or older and have Part B. During that time, a company can’t turn you down or charge you more because of your health. After it ends, companies in most states can ask health questions and may say no.

IF YOU LIVE IN KENTUCKY

Kentucky gives you extra protections

Birthday rule: Each year, you get 60 days starting on your birthday to switch to the same plan letter with a different company. No health questions.
Under 65 with Medicare: You get a 6-month open enrollment period when you first qualify for Medicare.
30-day free look: You can return a new policy within 30 days for a full refund.
Ethan Pierce
HOW I HELP

Since every Plan G is the same, the smart move is to compare prices. I’ll show you rates from several companies, explain how each company’s prices have changed over time, and help you time your purchase so you don’t lose your protections.

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