Medicare Supplements (Medigap)

Medicare Supplements (Medigap)

Medicare Supplement plans—also known as Medigap—are designed to help cover the out-of-pocket costs that Original Medicare (Parts A & B) doesn’t pay.

These plans work alongside Medicare to give you more predictable healthcare costs and greater peace of mind.

Benefits of Medicare Supplement Plans

✔️ Lower Out-of-Pocket Costs

Medigap helps cover expenses like:

  • Deductibles

  • Coinsurance

  • Copayments

This can significantly reduce unexpected medical bills.

✔️ Freedom to Choose Your Doctors

With a Medicare Supplement plan, you can:

  • Visit any doctor or hospital nationwide that accepts Medicare

  • No networks or referrals required

✔️ Predictable Healthcare Expenses

Many plans offer very minimal out-of-pocket costs, making it easier to budget for healthcare.

✔️ Coverage That Travels With You

Medigap plans work anywhere in the U.S. and some even include limited foreign travel emergency coverage.

✔️ Guaranteed Renewable

As long as you pay your premium, your coverage cannot be canceled, regardless of health conditions.

Popular Medicare Supplement Plan Options

Medicare Supplement plans are standardized and labeled by letters. The most common plans include:

Plan G (Most Popular)

  • Covers almost all out-of-pocket costs except the Part B deductible

  • Offers comprehensive coverage and predictable expenses

  • Widely considered the best overall value

Plan N (Lower Premium Option)

  • Lower monthly premium than Plan G

  • Small copays for doctor visits and ER visits

  • Great option if you want to save on premiums

Plan F (Closed to New Enrollees)

  • Only available to those eligible for Medicare before 2020

  • Covers all Medicare-approved costs

  • No out-of-pocket expenses for covered servicesCovers almost all out-of-pocket costs except the Part B deductible

  • Offers comprehensive coverage and predictable expenses

  • Widely considered the best overall value

Medicare Supplement vs. Medicare Advantage

  • Medicare Supplement plans:

    • Work with Original Medicare

    • Offer more provider flexibility

    • Typically have higher premiums but lower out-of-pocket costs

    (We can help you compare both options to see what fits your needs best.)

We’re Here to Help

  • Choosing the right Medicare coverage can feel overwhelming—but you don’t have to do it alone.

    At Reece Insurance Group, we help you:

    • Compare plan options

    • Understand your coverage

    • Find the best fit for your needs and budget

    There is no cost for our help—insurance companies pay us, not you.

Get Started Today

We’re here to help you navigate the world of insurance with confidence. Let’s find the right plan for you or your business today.

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Reece Insurance Group is dedicated to providing high-quality insurance solutions for individuals and businesses throughout Tennessee. With a commitment to personalized service and expert guidance, we help clients navigate the complexities of insurance to secure the protection they need. Contact us today to explore your options and take the first step toward a more secure future.