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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.
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:
Helps cover hospital stays beyond Medicare’s limits.
Pays for doctor visits, lab work, and outpatient services.
Covers Medicare Part A & B deductibles, reducing out-of-pocket costs.
Pays for additional fees charged by doctors who don’t accept Medicare’s standard rates.
Provides emergency medical coverage when traveling outside the U.S.
Covers all Medicare-approved out-of-pocket costs, including deductibles, copays, and excess charges.
Offers the same coverage as Plan F, except you pay the Part B deductible. A great option for lower premiums.
Provides comprehensive coverage while requiring small copays for doctor visits and ER visits, making it a cost-effective choice.
A budget-friendly plan with lower premiums, requiring you to meet a higher deductible before coverage starts.
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.
No, Medicare Supplement plans do not include prescription drug coverage. You will need a separate Medicare Part D plan for medications.
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.
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.
No! Unlike Medicare Advantage plans, Medicare Supplement plans automatically renew each year, as long as you pay your premiums.
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.
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.