Medicare Supplement Plans (Medigap)
Help covering the gaps in Original Medicare.
Medicare Supplement Insurance—also called Medigap—is designed to work alongside Original Medicare to help pay for costs that Medicare alone doesn’t fully cover. These costs might include hospital stays, coinsurance, or other out-of-pocket expenses, depending on the plan.
At BCI Insured, we help you compare Medigap options and decide whether a supplement plan is the right fit. As always, our guidance is
independent, pressure-free, and completely free to you.
What Is a Medicare Supplement Plan?
Original Medicare (Parts A & B) offers solid coverage, but it doesn’t pay for everything. That’s where Medigap plans come in.
These optional policies are offered by private insurance companies and are standardized across most states. Each plan (like Plan G or Plan N) offers a specific set of benefits. You can use your Medigap policy anywhere Original Medicare is accepted—no networks required.
Example: Many people choose Medigap because they want predictable coverage and the freedom to see any doctor who accepts Medicare. We'll help you decide if that trade-off makes sense for your situation.
Why Choose a Medicare Supplement Plan?
Some clients prefer Medigap because:
It may reduce out-of-pocket costs for hospital stays, specialist visits, and more
It allows freedom to choose any doctor or facility that accepts Medicare
It works well for people who travel frequently or want nationwide flexibility
It can help create more predictable healthcare costs over time
We'll help you compare Supplement plans with Medicare Advantage to see which path better supports your personal needs.
How We Help You Compare Medigap Plans
Medigap plans are standardized, but pricing and availability vary by state and carrier. We’ll help you:
Understand what each Medigap plan covers
Compare pricing and enrollment rules in your area
Explore whether a Supplement or Advantage plan fits you best
We work with 26+ carriers and are licensed in 11 states, so we can offer a broad view of your options—not just a few.
FAQs About Medicare Supplement Plans
Is Medigap the same as Medicare Advantage?
No. Medigap works with Original Medicare to cover out-of-pocket costs. Medicare Advantage replaces Original Medicare.
Can I keep my Medigap plan if I move?
Yes, in most cases. We can help you understand how coverage works when relocating.
Do Medigap plans include prescription drug coverage?
No. If you choose Medigap, you’ll likely also need a separate Part D plan. We’ll help you find one.
Which Medigap plan is best?
That depends on your priorities—like doctor choice, travel, and monthly costs. We’ll help you decide.
Let’s Find the Right Drug Plan for Your Needs
Medigap plans offer flexibility and financial peace of mind—but only if they align with your needs. Let’s compare your options together and talk about what’s best for you.
Have a question?