Who this coverage may be designed for
- People using Original Medicare
- People who value broad access to providers accepting Medicare
- People who can maintain a separate Part D plan when drug coverage is needed
Help with Original Medicare out-of-pocket costs
Medicare Supplement Insurance (Medigap)
Medigap is extra insurance sold by private companies to help pay certain out-of-pocket costs in Original Medicare. Generally, you need both Part A and Part B to buy a policy.
What it generally covers
- Some copayments, coinsurance, and deductibles
- Standardized benefits by letter in most states
- Possible foreign travel emergency coverage in certain plan letters
Important limits and enrollment considerations
- Does not include routine prescription drug coverage
- Premiums vary by company and rating method
- Medical underwriting may apply outside protected enrollment rights
Ask before you decide
Frequently asked questions about medicare supplement insurance (medigap)
Does guidance cost me anything?
No additional fee is charged to you for O'Neal Insurance Group's guidance. Agents may be compensated by an insurance carrier when an enrollment occurs.
Is every plan available through the agency?
No. The agency does not offer every plan available in every area. Availability depends on location, eligibility, carrier appointment, and product availability.
Is Medigap the same as Medicare Advantage?
No. Medigap supplements Original Medicare. Medicare Advantage is another way to receive Medicare benefits through a private plan.
Official resource
Check the source, then ask for personal help
Educational information is general. A licensed agent can help with plan comparisons; agents do not provide medical, legal, or official eligibility advice.
Personal guidance · No additional fee