Shelton, Connecticut & Glastonbury, Connecticut
Mon-Fri 8:30 am - 7:00 pm, Sat 8:30-2:30 Sun: Closed
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Medicare Supplement (Medigap) Plans
Medicare Supplement plans — also known as Medigap — help cover the out-of-pocket costs that Original Medicare doesn’t pay. These plans are designed to give you predictable healthcare expenses and peace of mind in retirement.
At Retire With Medicare, we help you understand how Medigap works, what it covers, and whether it fits your long-term healthcare goals.
What Is a Medicare Supplement (Medigap) Plan?
A Medicare Supplement plan is private insurance that works alongside Original Medicare (Part A and Part B). Medigap helps pay costs such as:
Deductibles
Coinsurance
Copayments
Medigap does not replace Medicare. Instead, it fills in the gaps left by Original Medicare.
What Medigap Plans Cover
Depending on the plan you choose, Medigap may help cover:
Part A hospital coinsurance and hospital stays
Part B coinsurance or copayments
Skilled nursing facility coinsurance
Part A deductible
Emergency medical care when traveling outside the U.S.
Each plan offers a standardized set of benefits, regardless of the insurance company.
What Medigap Plans Do NOT Cover
Medicare Supplement plans do not include:
Prescription drug coverage (Part D)
Dental, vision, or hearing care
Long-term care
Private-duty nursing
Routine eye exams or eyewear
Most people pair Medigap with a stand-alone Part D prescription drug plan.
Standardized Medigap Plans (Plan Letters)
Medigap plans are identified by letters (such as Plan G, Plan N, etc.).
Important things to know:
Benefits are the same for the same plan letter, regardless of insurer
Premiums may vary by company and location
Some plans are no longer available to new Medicare enrollees
Popular Medigap plans include:
Plan G – Comprehensive coverage with lower long-term costs
Plan N – Lower premiums with some cost-sharing
How Medicare Supplement Plans Work
With Medigap:
Medicare pays its share first
Your Medigap plan pays its portion next
You usually pay little to nothing out-of-pocket for covered services
There are no provider networks, meaning you can see any doctor nationwide who accepts Medicare.
Medicare Supplement Costs
Costs vary based on:
Your state
Your age
The insurance company
Pricing method (issue-age, attained-age, or community-rated)
You typically pay:
A monthly Medigap premium
Your Medicare Part B premium
When Can You Enroll in a Medigap Plan?
The best time to enroll is during your Medigap Open Enrollment Period:
Begins when you are 65 or older
Enrolled in Medicare Part B
Lasts for 6 months
During this time:
You cannot be denied coverage
No medical underwriting applies
You receive the best pricing options
Outside this window, approval is not guaranteed.
Medigap vs. Medicare Advantage
Medicare Supplement
Works with Original Medicare
Nationwide provider access
Higher premiums
Minimal out-of-pocket costs
Separate Part D required
Medicare Advantage
Replaces Original Medicare
Network-based
Often lower premiums
Copays and cost-sharing
Usually includes Part D
Who Should Consider a Medicare Supplement Plan?
Medigap may be right for you if you:
Want predictable healthcare costs
Travel frequently within the U.S.
Prefer freedom to choose any Medicare provider
Are comfortable paying higher premiums for lower out-of-pocket expenses
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Final Thoughts on Medicare Supplements
Medicare Supplement plans offer stability, flexibility, and peace of mind — especially for retirees who want fewer surprises when it comes to healthcare costs.
At Retire With Medicare, we help you compare plans, pricing, and enrollment timing so you can choose with confidence.
Compare Medicare Supplement Plans
Not sure which Medigap plan fits your needs? We’re here to help.
Compare Medicare Supplement plans in your area
Understand plan letters and pricing
Get personalized guidance from a Medicare specialist
At Retire With Medicare, we help you navigate the system with confidence and clarity.
Shelton, Connecticut / Glastonbury, Connecticut
Mon-Fri 8:30 am - 7:00 pm, Sat: 8:30 - 12:30 Sun: Closed
CMS Disclaimer: We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program to get information on all of your options.
© Retire with Medicare 2026. *Not affiliated with the U.S. government or federal Medicare program. All Rights Reserved.