Medicare Supplements

Medicare Supplements (Medigap) — Find the Right Plan for You

Medicare Supplement Insurance, also known as Medigap, is designed to help cover the “gaps” in Original Medicare (Parts A & B), such as copayments, coinsurance, and deductibles.

At American Retirement and Health Solution we are here to help you understand your options and find a plan that gives you peace of mind.

Schedule a Consultation

What is Medicare Supplement Insurance?

Medicare Supplement Insurance (Medigap) is private insurance that helps pay for certain healthcare costs not covered by Original Medicare (Parts A and B).

These costs can include:

Copayments — your share of costs when you visit doctors or hospitals
Coinsurance — your share of services like skilled nursing or hospital stays
Deductibles — the amount you pay before Medicare begins to pay
Foreign travel emergency care (with some plans)

Without Medigap, you could face unpredictable out-of-pocket costs. With the right plan, you get more financial protection and peace of mind.

Medicare Supplement Key Points

Help Cover Out-of-Pocket Costs
- Medigap plans are designed to cover out-of-pocket expenses not fully paid by Original Medicare, such as copays, coinsurance, and deductibles.
- With Medigap, you won’t have to worry about significant out-of-pocket costs for common healthcare needs, making it a smart option for seniors who want predictable medical expenses.
No Network Restrictions
- Unlike some other Medicare plans, Medigap plans do not require you to use a specific network of doctors or healthcare providers. You can see any doctor or specialist who accepts Medicare.
- This flexibility is especially important if you travel or live in multiple locations.
Guaranteed Renewable
- Once you’re enrolled in a Medigap plan, your coverage is guaranteed to be renewed every year, as long as you continue paying your premiums.
- This provides peace of mind, knowing you won’t lose coverage even if you develop a health condition.
Wide Range of Plan Options
- Medigap plans come in several standardized options, from Plan A to Plan N. Each plan offers a different level of coverage, allowing you to select the plan that best fits your health needs and budget.
- For example, some plans cover 100% of your Medicare Part A and Part B deductibles, while others may offer less comprehensive coverage.

What Plans Are Available?

Medigap plans are standardized and labeled with letters (Plans A, B, C, D, F, G, K, L, M, N). Each plan offers a different level of coverage, but the benefits are the same no matter which insurance company offers it.

Our team can help you compare plans side by side to find the best fit.