Original Medicare
Part A hospital and Part B medical insurance run by the federal government.
Medicare Supplement plans that make costs predictable
Keep any doctor that accepts Medicare and know almost exactly what a hard year will cost. Plan G and Plan N are where most of our clients land.
Overview
What Medicare Supplement (Medigap) means for you
Medicare Supplement insurance, often called Medigap, works alongside Original Medicare. Medicare pays its share first, then the Supplement pays some or all of what is left, including the Part A deductible and the 20 percent Part B coinsurance.
Medigap plans are standardized by letter. A Plan G from one company has exactly the same medical benefits as a Plan G from another. What differs is the premium, how the company prices increases over time, and service. That is where an independent advisor earns their keep.
The best time to buy is your Medigap Open Enrollment Period: the six months starting the month you are 65 or older and enrolled in Part B. During that window, companies cannot deny you or charge more for health conditions. After it closes, Georgia insurers can generally ask health questions.
Premiums shown are illustrative samples for a 65-year-old non-smoker in ZIP 31405 and are not quotes. We do not offer every plan available in your area. Contact Medicare.gov or 1-800-MEDICARE for all of your options.
What is included
The coverage that matters most, in plain language. Details vary by plan.
- Part A coinsurance and hospital costs up to an extra 365 days
- Part B coinsurance or copayments (Plan N has small copays)
- Part A deductible (Plans G and N)
- Skilled nursing facility coinsurance
- Part B excess charges (Plan G)
- First three pints of blood
- Foreign travel emergency care, up to plan limits
- Freedom to see any provider nationwide that accepts Medicare
How we help you decide
Our process for medicare supplement (medigap), start to finish.
Find your Open Enrollment window
We mark the six months when you can buy any Medigap plan with no health questions.
Choose the letter
Plan G for the fewest surprises, Plan N for a lower premium with small copays. We model both with your usage.
Compare carriers and rate history
We show premiums from each company we represent and how their rates have moved in Georgia.
Pair with a Part D plan
Medigap does not cover prescriptions, so we match a drug plan to your medications and pharmacy.
Why people choose it
No networks
See any doctor or hospital in the country that takes Medicare.
Few surprise bills
With Plan G, your main cost after the premium is the Part B deductible.
Guaranteed renewable
Your policy cannot be cancelled for health reasons while you pay the premium.
Costs and factors
Premiums shown are illustrative samples for a 65-year-old non-smoker in ZIP 31405 and are not quotes.
- Plan G premium
- $128 - $176
- Monthly, age 65, sample Savannah range
- Plan N premium
- $96 - $132
- Monthly, age 65, sample Savannah range
- Plan N office copay
- Up to $20
- Per doctor visit, set by plan design
- Plan N ER copay
- Up to $50
- Waived if admitted
Medicare Supplement (Medigap) questions
Still wondering about something? A licensed advisor can answer in plain English, usually the same day.
Neither is better for everyone. Plan G covers more and has fewer copays. Plan N has a lower premium and works well for people who see the doctor a few times a year. We run the numbers with your expected visits.
You can apply any time, but outside your Medigap Open Enrollment Period or a guaranteed issue situation, Georgia insurers can review your health and decline or rate your application.
No. Plans sold today do not include prescription coverage, so you add a separate Part D plan.
Most Medigap premiums rise with age and medical inflation. We review your rate each year and check whether switching carriers makes sense and is possible.
Related coverage
Part D prescription drug plans
Stand-alone drug plans that work with Original Medicare and Medigap.
Medicare Advantage
Part C plans from private carriers that bundle A, B and usually D with extra benefits.
