Medicare Supplement Plans (Medigap)

Even with Original Medicare, you may still be responsible for out-of-pocket costs like deductibles, copayments, and coinsurance. That’s where Medicare Supplement Insurance, also known as Medigap, comes in. These plans help “fill the gaps” in Original Medicare and can significantly reduce your overall healthcare expenses.

Guardian Health Network specializes in helping you understand how Medigap works, what options are available, and whether it’s the right fit for your coverage needs.

How Do Medigap Plans Work?

Medigap plans are offered by private insurance companies and are designed to supplement Original Medicare (Parts A and B). These plans do not replace your Medicare — instead, they work alongside it. When Medicare pays its share of your medical expenses, your Medigap policy kicks in to cover the rest (depending on your plan).

Benefits may include:

• Coverage for Part A and B deductibles

• Coinsurance and copayment assistance

• Extended hospital coverage

• Emergency care when traveling outside the U.S.

There are several standardized Medigap plans, labeled A through N. Each offers a different mix of benefits, and availability can vary by location.

Who Benefits Most from Medigap?

Medicare Supplement plans are ideal for individuals who:

• Prefer flexibility in choosing any doctor or hospital that accepts Medicare

• Travel frequently, especially out-of-state or internationally

• Want more predictable out-of-pocket healthcare costs

• Don’t need or want the extra benefits bundled with Medicare Advantage

It’s important to note that Medigap plans do not include prescription drug coverage — you’ll need a separate Part D plan for that.

The Guardian Health Network Difference

Choosing a Medigap plan doesn’t have to be complicated. We help you compare plan types, prices, and insurers so you can select the coverage that matches your health needs and budget. We’ll also ensure you understand any enrollment deadlines or state-specific rules.