Any Doctor Who Takes Medicare. Any Time. We'll Find the Premium That Makes It Work.

Medicare Supplement insurance — Medigap — gives you the freedom to see any provider who accepts Medicare, with no networks and no referrals required. The plan benefits are standardized by federal law. The premiums are not. That gap is where we work.

What a Medicare Supplement Plan Actually Does

Original Medicare(Parts A and B) covers a significant share of your healthcare costs — but it doesn't cover everything. You're responsible for deductibles, copays, and coinsurance that can add up quickly, especially if you're managing a chronic condition or facing a major procedure. A Medicare Supplement plan is private insurance that fills those gaps. It pays alongside Medicare, covering costs that would otherwise come out of your pocket.

Every provider who accepts Medicare accepts your Medigap plan. That means no network restrictions, no need to check whether your specialist is in-network, and no prior authorization requirements tied to your supplement coverage. Over 90% of physicians in the United States accept Medicare — which means, for most people, Medigap coverage is effectively unlimited in scope.

Understanding the Plan Letters — Plan G, Plan N, and What Each One Covers

The federal government standardizes Medigap plan benefits. Every Plan G sold in Ohio, regardless of which insurance company issues it, covers the same benefits. Every Plan N covers the same Plan N benefits. The letter determines the coverage. The carrier determines the price.

Plan G: The Most Comprehensive Option for New Enrollees

Plan G is the most popular Medicare Supplement plan in Ohio for new enrollees — and for good reason. After Plan F was discontinued for people newly eligible for Medicare after January 1, 2020, Plan G became the most comprehensive option available. It covers the Medicare Part A deductible, Part A coinsurance and hospital costs, Part B coinsurance and copayments, skilled nursing facility coinsurance, and foreign travel emergency care. The only cost Plan G does not cover is the Medicare Part B deductible, which is $240 in 2024. You pay that once per year, and Plan G handles the rest.

Plan N: A Lower Premium With Some Cost-Sharing

Plan N covers the same broad range of benefits as Plan G with two differences: you may owe a copay of up to $20 for office visits and up to $50 for emergency room visits that don't result in inpatient admission. Plan N also does not cover Part B excess charges, which apply in limited situations when a provider charges above the Medicare-approved amount. For people in good health who visit the doctor infrequently, Plan N can deliver meaningful premium savings with manageable out-of-pocket exposure.

Why the Carrier You Choose Matters More Than You Think

Because the benefits for each plan letter are identical across carriers, the only variable is the premium — and premiums for the same plan letter can vary by hundreds of dollars per year depending on the carrier, your age, your gender, and your zip code. We hold contracts with multiple carriers and compare premiums across all of them for your specific situation. You get the same Plan G coverage either way. We make sure you're not overpaying for it.

Medigap vs. Medicare Advantage: A Framework for Making the Right Choice

This is the question we hear most often, and it deserves a direct answer rather than a both-sides rundown. Both coverage types are legitimate. The right choice depends on your health, your finances, and how you want to use your coverage.

Medicare Advantage plans typically carry lower or zero monthly premiums, but they operate within provider networks and include cost-sharing at the point of care — copays, coinsurance, and annual out-of-pocket maximums that can reach several thousand dollars. They work well for people who are generally healthy, comfortable staying within a network, and want to keep monthly costs low.

Medigap plans carry a monthly premium but offer predictable costs and unrestricted provider access. They work well for people who have established relationships with specific physicians, travel frequently, manage ongoing health conditions, or simply want to know exactly what their healthcare will cost each month. There's one more factor that rarely gets discussed upfront: Medicare Advantage is easy to enroll in. Getting back out — particularly into a Medigap plan — is not. Outside of your Initial Enrollment Period or a guaranteed issue window, switching from Medicare Advantage to a Medigap plan requires health underwriting. You can be denied coverage based on pre-existing conditions. We explain that exit door before any enrollment decision is made, not after.

The Enrollment Window You Cannot Afford to Miss

When you first become eligible for Medicare Part B, you enter a six-month Initial Enrollment Period during which you have guaranteed issue rights for any Medigap plan available in your state. Carriers cannot deny you coverage or charge you a higher premium based on your health history during this window. Once it closes, that protection disappears.

Outside of guaranteed issue, Medigap carriers in Ohio can and do apply medical underwriting. Conditions like diabetes, heart disease, COPD, or a history of cancer can result in higher premiums or outright denial. Waiting — even by a few months — can permanently limit your options. We work with clients well before their 65th birthday to make sure they understand this window, what it protects, and how to use it.

Common Questions About Medicare Supplement Plans