What is Medicare Supplement?
Medicare Supplement, also known as Medigap, is coverage that works with Original Medicare (Part A and Part B) to help pay for costs like deductibles, copayments, and coinsurance.
These plans are offered by private insurance companies and are designed to provide more predictable healthcare expenses and broader provider access.
How Medicare Supplement Works
Medicare Supplement plans typically:
Work alongside Original Medicare
Help cover out-of-pocket costs like deductibles and coinsurance
Allow you to see any provider nationwide that accepts Medicare
Do not require referrals to see specialists
Do not include prescription drug coverage (Part D is separate)
Who Medicare Supplement May Be Good For
Medicare Supplement may be a good fit if you:
Want flexibility to see providers nationwide
Prefer fewer out-of-pocket surprises
Travel frequently or live in multiple locations
Are comfortable pairing coverage with a separate Part D plan
Things to Consider
Medicare Supplement plans typically have higher monthly premiums compared to Medicare Advantage plans, but often offer lower out-of-pocket costs when receiving care.
Some individuals prefer the bundled structure of
Medicare Advantage plans, which may include additional benefits like dental or vision.
Choosing the right option depends on how you prefer to receive care and manage costs.
Our Role as Your Advocate
At The Advocate Group, our role is not to push one plan over another.
We walk you through how Medicare Supplement compares to other plans and help you evaluate what best fits your healthcare needs and lifestyle.
Frequently Asked Questions
WHAT DOES MEDICARE SUPPLEMENT COVER?
Medicare Supplement plans help cover out-of-pocket costs that Original Medicare does not pay, such as copayments, coinsurance, and deductibles. Coverage varies by plan type.
CAN I SEE ANY DOCTOR WITH A MEDICARE SUPPLEMENT PLAN?
In most cases, yes. Medicare Supplement plans typically allow you to see any provider nationwide that accepts Medicare, without network restrictions.
WHEN IS THE BEST TIME TO ENROLL IN A MEDICARE SUPPLEMENT PLAN?
The best time to enroll is during your Medicare Supplement Open Enrollment Period, when you may have more plan options and fewer restrictions based on health history.
At The Advocate Group, everything we do is built on three core principles.
Integrity
Education
Trust
We recommend what is best for you — not what pays the most. Transparency is non-negotiable.
An informed client is an empowered client. We make sure you understand your options so you can make confident decisions.
Healthcare and financial protection require vulnerability. We earn trust by showing up consistently, honestly, and reliably.
the Advocate Group experience
What Our Clients Say
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- janet m.
"Jason Avery has been such a great person to provide us information for our best Medicare plan. He takes the time to thoroughly review circumstances to advocate for his clients. He even came to our home to meet with us. Very thankful for his assistance!"
- clean s.
"Jason and his team are in the business of creating peace and calm. With SO many options in the healthcare industry, it’s overwhelming and difficult to navigate successfully. Jason guides his clients with confidence and genuine interest in their wellbeing."
- barbara w.
"Jason Avery is one of the best Medicare advisors! He directed me to products and services that were best suited to me and compared them to my current choices I had already made. I took his advice and I ended up having a good year of health & prescription provider care."
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