Medicare Supplement Guide: Filling the Gaps in Your Coverage
By Jeff Johnson · June 29, 2026 · 6 min read
Original Medicare (Parts A & B) leaves significant gaps — deductibles, copays, and coinsurance that can add up to thousands of dollars. A Medicare Supplement plan, also called Medigap, fills those gaps so you're not hit with unexpected bills.
What Does Medicare NOT Cover?
- Part A hospital deductible (~$1,600 per benefit period)
- Part B deductible and 20% coinsurance
- Skilled nursing facility coinsurance
- Foreign travel emergency care
- Extended hospital stays beyond 60 days
The Most Popular Medigap Plans
Plan G
The most comprehensive plan available to new Medicare enrollees. Covers almost everything except the Part B deductible. Most popular choice.
Plan N
Lower premiums than Plan G with small copays for office and ER visits. Great for healthy seniors who want to save on monthly costs.
Plan F
Covers 100% of all gaps including the Part B deductible — but only available if you were eligible for Medicare before January 1, 2020.
When Can You Enroll?
Your best window is the 6-month Open Enrollment Period that starts the month you turn 65 and enroll in Medicare Part B. During this time, no insurer can deny you or charge more based on health conditions. After this window, you may face medical underwriting.
Why Work With an Independent Agent?
Medigap plans are standardized by law — Plan G is Plan G no matter which company sells it. But premiums vary widely between carriers for the exact same coverage. I shop multiple carriers to find you the lowest rate for your zip code in TX, FL, NC, or AR.
Turning 65 Soon?
Don't miss your Open Enrollment window. Call me and I'll compare plans for you — free, no pressure.