Licensed Medicare Broker Since 2007
Medicare Supplement (Medigap) Plans
- No Pressure Sales
- Independent Advice
- Multiple Carriers
Why So Many People Choose Medicare Supplement Insurance
A Medicare Supplement plan — often called Medigap — is designed for people who value freedom, stability, and predictability in their healthcare.
A Medicare Supplement plan may be right for you if:
See any doctor nationwide who accepts Medicare
Travel frequently or live in more than one state
Prefer predictable medical expenses instead of surprise bills
Don't want referrals, prior authorizations, or provider networks
Willing to pay a higher monthly premium for peace of mind
How Medicare Supplement Plans Actually Work
Original Medicare Pays First
Part A & Part B covers hospital care and doctor services — but leaves deductibles and coinsurance behind.
Medigap Helps Pay What Medicare Doesn't
Deductibles, copays, and coinsurance — depending on the plan you choose.
Works Together — Not Instead Of
See any doctor nationwide who accepts Medicare. No networks or referrals. More predictable medical costs.
Important Note
Medigap does not include prescription drug coverage. A separate Medicare Part D plan is required — something I help coordinate carefully.
The Medicare Supplement Plans People Ask About Most
Medicare Supplement Plan G
- Most popular option nationwide
- Very comprehensive coverage
- Minimal out-of-pocket costs
- Higher monthly premium than some alternatives
Medicare Supplement Plan N
- Lower monthly premium than Plan G
- Small copays for office visits and ER care
- A good balance between coverage and cost
- Rates also increase over time
Medicare Supplement High-Deductible Plan G
- Most popular option nationwide
- Very comprehensive coverage
- Minimal out-of-pocket costs
- Higher monthly premium than some alternatives
When Can You Enroll in a Medicare Supplement Plan?
- Age 65 or Olde
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- Enrolled in Part B
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- 6-Month Open Enrollment Begins
During Your 6-Month Period
- No medical underwriting
- No health-based denials
- No higher rates due to conditions
- Access to any Medigap plan offered in your state
- Freedom to choose the insurance company
After Open Enrollment Ends
- Medical underwriting may be required
- Health conditions can affect approval or cost
- Fewer plan and company options
- Delaying can permanently limit choices
Not Sure Where You Stand?
- Helping People Since 2007
Why So Many Clients Choose to Work With Me
I started The Modern Medicare Agency with one goal:
"To be the resource I'd want for my own family."
What you can expect when working with me:
Independent advice — I work with many carriers, not just one
Clear explanations, no jargon
No call centers or pressure tactics
Ongoing support after enrollment
Help coordinating Medigap, Part D, and future changes
Common Medicare Supplement Questions (Answered Clearly)
Yes. You can see any doctor nationwide who accepts Medicare.
No networks and no referrals are required.
Sometimes. Outside your open enrollment period, medical underwriting may apply.
Each insurance company sets its own pricing and rate increase strategy. Choosing the right company matters just as much as choosing the right plan.
Neither is ‘better’ universally — they’re designed for different needs. The right choice depends on you. I help clients compare both — honestly and side-by-side.
Not Sure Where You Stand?
If you’re unsure when your enrollment window began — or you’ve received conflicting information — I’m happy to walk you through it clearly.
