Medicare Supplement Plans (Medigap)

Cover the Gaps in Medicare with a Plan That Fits You

Medicare Supplement plans-also called Medigap insurance-help pay for the out-of-pocket costs that Original Medicare doesn't cover. From deductibles to coinsurance, these expenses can add up fast. That's why many people choose a Medicare supplemental insurance policy for added peace of mind.

At The HgO Group, we help you understand your Medigap options and compare rates across top carriers. Our team works with you directly-at no cost-to help you fill the gaps and stay covered.

Unlike Medicare Advantage, Medigap doesn't replace your Medicare-it enhances it. And you can keep your freedom to see any provider who accepts Medicare nationwide. No networks. No referrals.

FOR A REFRESHER ON WHAT PARTS A & B COVER

Popular Medigap Plans: 

Plan G, Plan N & More

Medigap policies are standardized by letter, meaning the benefits are the same no matter which company you choose. The difference is in price and service, which is where our guidance comes in.

Here are a few of the most popular options:

• Plan G: The most comprehensive plan available to new enrollees
  Covers nearly all Medicare-approved costs except the annual Part B deductible
  
• Plan N: Lower monthly premium, with small copays for office and ER visits
  Great for those who want savings and are okay with some out-of-pocket costs
  
• Plan A or High-Deductible G: Budget-friendly options with limited coverage or higher deductibles
  

Not sure which letter plan fits your needs? We'll walk you through the pros and cons of each and find a plan that matches your health and budget.

Medigap vs. Medicare Advantage

What's the Difference?

A common question we hear: Should I choose a Medicare Supplement or a Medicare Advantage plan?

Here's a simple comparison:

Medigap + Original Medicare + Part D

• Higher monthly premiums
• Minimal out-of-pocket costs when using services
• Freedom to see any provider nationwide
• No extras (like dental or vision)
  

Medicare Advantage

• Lower premiums or $0 options
• Co-pays for each service; annual out-of-pocket max
• Network-based (HMO/PPO)
• Often includes drug, dental, and vision coverage
  

Which one is better? That depends on your lifestyle, health needs, and financial goals. We'll help you weigh the options.

Your Foundation for Medicare Protection

When Should You Enroll in a Medicare Supplement Plan?

Your best opportunity to enroll in a Medigap plan is during your Medigap Open Enrollment Period:



• Starts the month you're 65 or older AND enrolled in Medicare Part B
• Lasts for 6 months
  

During this window, you have guaranteed issue rights, meaning:



• No health questions
• No denial of coverage
• No rate increases for pre-existing conditions
  

After this period, enrolling may require underwriting (health questions), depending on your state. Acting early gives you the most options.

How We Help You Choose the Right Plan

Even though Medigap benefits are standardized, pricing is not. That's why shopping around matters.

At The HgO Group:

• We compare rates across top-rated insurance carriers
  
• Offer honest, unbiased advice on the best value
  
• Provide ongoing support, including annual reviews and claims guidance
  
• Never charge for our services
  

Need help finding the most affordable Plan G-or something more flexible like Plan N? We've got you covered.

Let's Find the Right Medicare Supplement Plan for You

Ready to take control of your out-of-pocket costs? Let's explore Medicare Supplement plans that offer real coverage, not surprises.

Contact us today for a free quote comparison