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Medicare Supplement Plans

Community Connections Insurance Group offers Medicare Supplement Plans, also known as Medigap, as a service to our clients. These plans provide additional coverage that fills in the gaps left by Original Medicare. Original Medicare, which is divided into parts A, B, C and D, covers many costs of healthcare services and supplies, but there are still some copayments, coinsurance, and/or deductible expenses remaining. The right Medigap policy for your situation can help cover some of these healthcare bills and assist with care even when traveling outside the U.S.
Work with a Community Connections Agent to find the right Medicare Supplement Plan
for you.

What Are The Most Popular Medicare Supplement Plans?

Medicare Supplement Plan F: The Premium-Only Plan

Medigap Plan F is a comprehensive option that offers 100% coverage for medical services covered by Medicare after Original Medicare pays its portion, so it is considered one of the best Medicare Supplement plans. This plan covers the deductibles and coinsurance for Medicare Part A and Part B and includes coverage for foreign travel emergencies. While on Medicare Supplement Plan F, you will never spend a dime on any Medicare-covered medical services outside your monthly premium.

Not everyone with Medicare is eligible for this plan, as you must have enrolled in Original Medicare before January 1, 2020. If you are already enrolled in Medicare Part A or Part B, you can switch to Plan F or continue with your current coverage.

Medicare Supplement Plan F may be the best Medicare Supplement plan for those who:

If you’re looking for a Medigap plan with lower monthly premiums, while still enjoying the same benefits as Plan F, consider the High Deductible Plan F. This option offers the same coverage as standard Plan F, with a $2,700 deductible in 2023. You must pay this deductible before your full coverage begins, which helps to reduce the monthly premium. Keep in mind that to be eligible for the High Deductible Plan F, you must first meet the eligibility requirements for standard Plan F.

Medicare Supplement Plan G: The Budgeter’s Plan

Medigap Plan G provides a cost-effective way to manage your medical expenses. You only pay the annual Medicare Part B deductible of $226 in 2023, after which you are covered for 100% of all Medicare-covered medical services. This makes Plan G a budget-friendly option, with your only out-of-pocket cost being the annual deductible, excluding your monthly premium.
Plan G’s ease of eligibility compared to Plan F has made it a highly sought-after option among Medicare beneficiaries, making it one of the most popular Medicare Supplement plans in 2023.

Medicare Supplement Plan G may be the best plan for those who:

Medicare Supplement High Deductible Plan G

Medicare Supplement High Deductible Plan G is a variation of the standard Plan G, offering the same benefits but with a lower monthly premium due to a higher deductible. This plan requires a deductible of $2,700 in 2023, the same as High Deductible Plan F. By paying this higher deductible, you can benefit from a lower monthly premium for your Medicare Supplement coverage.

Medicare Supplement High Deductible Plan G is a more affordable plan option for those who:

Eligibility for Medigap High Deductible Plans is determined by the date of enrollment in Original Medicare. If you enrolled in Original Medicare before 2020, you are only eligible for High Deductible Plan F. However, if you signed up for Original Medicare in 2020 or later, you are only eligible for High Deductible Plan G.
A hispanic senior woman in a wheelchair and her female nurse in the old age home. Mixed race young nurse and her patient in the lounge

Medicare Supplement Plan N: The Pay-As-You-Go Plan

Medigap Plan N is a budget-friendly option among the best Medicare Supplement plans, but it requires some out-of-pocket expenses. This plan covers the Medicare Part A deductible and Part B 20% coinsurance, but you must pay the Part B deductible and copays for doctor or hospital visits. You may also be responsible for excess charges in states where they are allowed, although these charges are uncommon.
With Plan N, you will incur $20 copays for doctor visits and $50 for emergency room visits, but there are no copays for visits to local urgent care centers. Medicare Supplement Plan N is a good choice for those who infrequently require medical services but desire emergency coverage.

Medicare Supplement Plan N may be the best choice for those who:

Medigap Plan N, despite not being as comprehensive as other letter plans, is a favorite among our clients and is considered one of the best Medicare Supplement plans due to its affordability and suitability for those who are relatively healthy. Its lower monthly premiums make it accessible for those who don’t require extensive medical coverage.

Most Affordable Medicare Supplement Plans

Medigap plans don’t have a universal solution that fits every individual’s needs. The monthly premium is often lower for Supplement plans, but this may not always result in the most cost-effective option. High-deductible Supplement plans, such as Plan F or Plan G, have a lower monthly premium, but you are required to pay the full deductible amount before you receive coverage. This means that in the event of major medical procedures or hospitalization, you will bear most of the cost. On the other hand, Medigap Plan G is considered one of the most affordable plans due to its mid-range monthly premium and limited out-of-pocket costs (just the Medicare Part B deductible).

Top Benefits With Medicare Supplement Plans

Coverage Gap Assistance

Medicare Supplement plans can help fill in gaps in coverage, such as deductibles and copayments, which are not covered by Original Medicare.​

Out-of-Pocket Cost Savings

These plans often have lower out-of-pocket costs for beneficiaries, reducing their financial burden in the case of a medical emergency or illness.

Nationwide Coverage

Medicare Supplement plans can be used anywhere in the United States where Medicare is accepted, giving beneficiaries the peace of mind of having coverage while traveling.

Choice of Providers

Beneficiaries can choose to see any doctor or specialist who accepts Medicare, providing them with more control over their healthcare and access to a wider range of providers.

How Do You Enroll?

When seeking information about Medicare, it’s best to start by contacting Community Connections. They can assist you with your initial questions and guide you through the process of enrolling in Medicare Part A and Part B. If you are already receiving benefits such as Social Security, you may automatically qualify for additional coverage through Medicare. Community Connections can help you understand all your options.

Ready To Sign Up With A Medicare Supplement Plan?

At Community Connections, we understand the importance of comprehensive healthcare coverage.

Medicare provides coverage for a wide range of health services, but there may still be gaps in coverage. That’s where Medicare Supplement Plans come in. They can help fill those gaps, providing you with the peace of mind that comes with knowing you’re covered, no matter where you receive care.

Additionally, Medicare’s Part D plan can help cover additional prescription drug costs. To help you make the best decision for your medical needs, we recommend working with a licensed insurance broker. Our team at Community Connections is knowledgeable and experienced in assisting clients to select the best Medicare options for their individual needs. Contact us today to learn more.