Works with Original Medicare
Medicare pays its share of approved covered services first. A Medigap policy may then help pay its share of eligible costs, according to the policy.
Explore Medicare Supplement Insurance, also called Medigap, for help reviewing how Original Medicare and supplemental coverage may fit together.
Medigap is private insurance designed to help pay some out-of-pocket costs for services covered by Original Medicare, such as certain deductibles, copayments, or coinsurance. The policy works alongside Medicare Part A and Part B; the plan’s terms and your eligibility determine what it pays.
Medicare pays its share of approved covered services first. A Medigap policy may then help pay its share of eligible costs, according to the policy.
In most states, policies with the same letter offer the same basic benefits, but premiums and other details can differ by insurance company.
Consider premium, out-of-pocket costs, enrollment timing, eligibility and how the coverage coordinates with any other insurance you have.
Medigap supplements Original Medicare. Medicare Advantage is another way to receive Medicare Part A and Part B benefits through a private plan. These are different coverage arrangements; Medigap generally cannot be used to pay Medicare Advantage plan costs.
Before changing coverage, review provider access, cost sharing, prescription needs, enrollment rules and the coverage you would leave. An agent can help explain options, while Medicare makes the official eligibility and enrollment determinations.
Compare the policy premium and how it fits with your Medicare costs and household budget. Premiums vary by company and may change over time.
Review the standardized benefits, deductibles, coinsurance and any costs that remain your responsibility.
Medigap enrollment rights can depend on your age, Medicare enrollment, health coverage history, and applicable federal and Florida rules. Timing can affect which policies are available to you.
If you are comparing a supplement with Medicare Advantage, look at how each option handles providers, covered services, drug coverage and out-of-pocket expenses. Your needs and available plans may change from year to year.
Direct Insurance Network, LLC helps Broward County residents review Medicare Supplement information and compare available options from participating insurers. We can help organize your questions and explain policy features, premiums and next steps.
Plan availability, rates, underwriting, eligibility and enrollment rights vary. A request for information does not enroll you or change your current coverage.
Depending on the plan letter and policy, Medigap may help pay certain out-of-pocket costs for services covered by Original Medicare. It does not replace Medicare, and benefits are subject to policy terms.
Medigap is designed to work with Original Medicare. It generally does not pay Medicare Advantage deductibles, copayments or coinsurance. Review your options before changing plans.
Policies sold today generally do not include outpatient prescription drug coverage. A separate Medicare Part D plan may be available for people with Original Medicare.
Enrollment opportunities and guaranteed purchase rights depend on individual circumstances and applicable rules. Contact us to discuss your situation and verify timing before making a coverage change.
No. Sending a quote request only asks our team to contact you. It does not enroll you in a policy or change your existing Medicare coverage.
Tell us what you would like help with. Our team can follow up to discuss next steps and available information for Broward County residents.
Direct Insurance Network, LLC is not affiliated with or endorsed by the U.S. government or the federal Medicare program. This page provides general information only. It is not an official government publication, a plan contract, or a guarantee of coverage. Policy terms, rates, availability, eligibility and enrollment rights vary.