Medicare Supplement (Medigap) Plans – Filling the Gaps in Medicare

Doctor in white coat reviews paperwork with male patient in an office.

What Are Medicare Supplement Plans?

Medicare Supplement plans—often called Medigap—are private insurance policies that cover the costs Original Medicare doesn’t, like deductibles, coinsurance, and copays. These standardized plans (Plan A, B, C, D, F, G, K, L, M, or N) work alongside Medicare Part A and Part B, giving seniors more predictable health care costs and provider freedom. At Realegacy Partners, we help clients compare options that fit their doctors and their budgets.

Why Seniors Choose a Medicare Supplement

Medigap insurance offers benefits such as:


  • Freedom to see any provider who accepts Medicare, nationwide.
  • Predictable out-of-pocket costs, reducing financial surprises.
  • No referrals required for specialists.
  • Coverage for Part B excess charges (with certain plans).


For many clients of Realegacy Partners, this flexibility feels right—especially if they travel or prefer to see doctors outside their area or in another state.

Woman at a desk talking to a doctor with a stethoscope in a medical office.

Important Considerations with Medigap

 While Medigap offers strong coverage, it has trade-offs:

  • Monthly premiums are often higher than some $0-premium Medicare Advantage plans.
  • Prescription drugs aren’t included—you’ll need a separate Part D plan.
  • Plan F is closed to people who became eligible for Medicare after 2020.
  • If you apply outside your initial window, medical underwriting may be required (varies by state).

Comparing Popular Medigap Plans

  • Plan F – Most comprehensive, but only for those eligible before 2020.


  • Plan G – Very comprehensive; covers everything Original Medicare doesn’t except the Part B deductible.


  • Plan N – Lower premium; small copays for some visits and no coverage for Part B excess charges.

Realegacy Partners will compare premiums and benefits to match your needs and preferred providers.

Pills spilled from orange prescription bottles on a dark surface.
Doctor writing prescription; pills spilled from a bottle on a table.

Medigap vs. Medicare Advantage

Medigap emphasizes nationwide access and minimal out-of-pocket costs; Medicare Advantage often emphasizes lower premiums and added perks within a network. The “best” path depends on how you use care and how much flexibility you want.

FAQs About Medigap Insurance

  • Can I keep my doctors with Medigap?

    Yes—see any provider nationwide who accepts Medicare.

  • Does Medigap include prescriptions?

    No; pair it with a Part D plan.

  • Is Plan G better than Plan N?

    Plan G has fewer bills later; Plan N trims the premium with small copays.

  • What do Medigap plans cost?

    Premiums vary by plan letter, age, and location; Realegacy Partners will quote multiple carriers.

  • I’m over 65 with health issues—can I still get Medigap?

    Possibly; rules vary. We’ll review options and any guaranteed-issue rights.

Enrollment & Switching Rules

Your best opportunity is the 6-month Medigap Open Enrollment period that starts when you’re 65 and enrolled in Part B—no health questions. After that, switching can be harder depending on your state’s rules. Certain “trial rights” and guaranteed-issue situations may apply.