How Medicare Supplement plans work
Original Medicare (Part A and Part B) pays first, and your Medigap plan pays its share of the remaining approved costs. Plans are standardized by letter, so a Plan G from one company has the same core benefits as a Plan G from another. What differs is the monthly premium, the company's pricing method, and its customer service.
Medigap plans do not include prescription drug coverage. Most people pair a Medigap plan with a separate Part D prescription drug plan.
Who it may fit
- People who want the freedom to see any provider that accepts Medicare, without a network
- People who travel or spend part of the year outside Texas
- People who prefer predictable costs over lower premiums with copays
- People who want to avoid referrals for specialists
Timing matters
Your Medigap Open Enrollment Period is the 6-month window that starts the first month you are 65 or older and enrolled in Part B. During this window, companies generally cannot turn you down or charge more because of your health. Outside it, you may have to answer health questions. Kesha helps you plan around this window so you do not miss it.
What Kesha compares for you
- Plan letters such as Plan G, Plan N, and high-deductible options
- Monthly premiums from multiple companies
- How each company sets and raises rates over time
- Household discounts and payment options
- A matching Part D plan for your prescriptions
Frequently asked questions about Medicare Supplement
What is the difference between Medigap and Medicare Advantage?
Medigap works with Original Medicare and lets you use any provider that accepts Medicare. Medicare Advantage replaces how you get Part A and Part B coverage and usually uses a network. Kesha explains both so you can choose.
Do Medicare Supplement plans cover prescriptions?
No. Medigap plans do not cover outpatient prescription drugs, so most people add a separate Part D plan.
Can I switch Medigap plans later?
You can apply to change at any time, but outside your Medigap Open Enrollment Period you may need to answer health questions. Kesha can review your options.
Plan availability, benefits, and costs vary by county and company. Kesha will confirm what is available at your ZIP code. For information on all of your options, contact Medicare.gov or 1-800-MEDICARE.
