Medicare supplements
Get More from Your Medicare Coverage
Original Medicare covers many healthcare expenses, but it doesn’t cover everything—leaving you responsible for copays, deductibles, and out-of-pocket costs. A Medicare Supplement plan (Medigap) helps fill those gaps, ensuring you have comprehensive coverage for your medical needs.

At our company, we help seniors across Kentucky find affordable Medicare Supplement plans that provide peace of mind and financial security. With the right plan, you can reduce unexpected medical expenses and focus on what matters most—your health.
What Does a Medicare Supplement Plan Cover?
Medicare Supplement (Medigap) policies work alongside Original Medicare (Parts A & B) to cover expenses that Medicare doesn’t pay in full. Depending on the plan, coverage may include:
Medicare Part A Coinsurance & Hospital Costs
Helps cover hospital stays beyond Medicare’s limits.
Medicare Part B Coinsurance & Copayments
Pays for doctor visits, lab work, and outpatient services.
Deductibles
Covers Medicare Part A & B deductibles, reducing out-of-pocket costs.
Excess Charges
Pays for additional fees charged by doctors who don’t accept Medicare’s standard rates.
Foreign Travel Emergency Coverage
Provides emergency medical coverage when traveling outside the U.S.
Types of Medicare Supplement Plans We Offer
Medicare Plan F
Covers all Medicare-approved out-of-pocket costs, including deductibles, copays, and excess charges.
Medicare Plan G
Offers the same coverage as Plan F, except you pay the Part B deductible. A great option for lower premiums.
Medicare Plan N
Provides comprehensive coverage while requiring small copays for doctor visits and ER visits, making it a cost-effective choice.
High-Deductible Plan G
A budget-friendly plan with lower premiums, requiring you to meet a higher deductible before coverage starts.
Common Questions About Medicare Supplements
What is the difference between Medicare Advantage and Medicare Supplement plans?
Medicare Advantage (Part C) replaces Original Medicare and works like an HMO or PPO, with network restrictions and co-pays. Medicare Supplement plans work with Original Medicare, giving you more flexibility to see any doctor who accepts Medicare.
Do Medicare Supplement plans cover prescriptions?
No, Medicare Supplement plans do not include prescription drug coverage. You will need a separate Medicare Part D plan for medications.
Can I enroll in a Medicare Supplement plan at any time?
You can enroll during your Medicare Open Enrollment Period, which lasts six months after you turn 65 and enroll in Medicare Part B. During this period, no medical underwriting is required, meaning you won’t be denied coverage due to health conditions.
Will my Medicare Supplement plan cover dental, vision, or hearing?
No, Medigap plans only cover Medicare-approved expenses. However, we can help you find separate dental, vision, and hearing insurance plans to complement your coverage.
Do I have to renew my Medicare Supplement plan every year?
No! Unlike Medicare Advantage plans, Medicare Supplement plans automatically renew each year, as long as you pay your premiums.
Can I use my Medicare Supplement plan outside of Kentucky?
Yes! Medicare Supplement plans provide nationwide coverage, so you can see any doctor or specialist in the U.S. who accepts Medicare. Some plans even include foreign travel emergency coverage for medical expenses outside the U.S.
What happens if I switch from a Medicare Advantage plan to a Medicare Supplement plan?
You may need to return to Original Medicare (Parts A & B) first before enrolling in a Medigap plan. Depending on when you switch, medical underwriting may apply, so it’s best to consult with us before making a change.
