Medigap Plans
See any provider who accepts Medicare, nationwide — with a plan that fills the gaps Original Medicare leaves behind.
What Are Medigap Plans?
Medigap plans — also called Medicare Supplements— work alongside Original Medicare to cover costs like copays, coinsurance, and deductibles that Part A and Part B leave you to pay. Unlike Medicare Advantage, Medigap plans don’t use networks: if a provider accepts Medicare, they accept your Medigap plan too, anywhere in the country. We compare Medigap options from the carriers we work with and help you decide whether it’s a better fit than Medicare Advantage for your situation — at no cost to you.
Is This You?
- You want to see any doctor or specialist who accepts Medicare, without worrying about networks
- You travel frequently or split time between states and want coverage that goes with you
- You’d rather pay a higher, predictable monthly premium than face unpredictable costs when you actually need care
- You’re newly eligible for Medicare and want to understand your options before committing to a path
- You have a Medicare Advantage plan now and are frustrated by network restrictions or claim denials
How Medigap Plans Work
Standardized Plans, Same Coverage Everywhere
Medigap plans are standardized by letter (Plan G and Plan N are the most common today for new enrollees) — meaning a Plan G from one carrier covers the same benefits as a Plan G from another. The difference between carriers is price, customer service, and rate stability over time, which is exactly what we help you compare.
Paired With a Separate Part D Plan
Medigap plans don’t include prescription drug coverage, so you’ll pair one with a standalone Part D plan. We compare both pieces together so your total cost picture is accurate, not just the Medigap premium in isolation.
Timing Matters
Your best window to enroll in a Medigap plan with guaranteed acceptance (no health questions) is generally the 6 months after you first enroll in Part B at age 65 or older. Outside that window, in most states, you may need to answer health questions and could be denied or charged more — so timing this correctly matters.
How It Works
1. Free Consultation
We talk through your health, budget, and whether flexibility or lower premiums matters more to you.
2. We Compare Carriers and Plan Letters
We review Medigap options and pair them with Part D plans from the carriers we work with, so you see the full picture.
3. You Enroll, We Stay Available
We help with the application and stay available if anything changes — a move, a new prescription, or questions down the road.
Not Sure If Medicare Advantage Is the Right Fit?
Medicare Advantage plans rely on networks, and those networks can shift — sometimes with little notice, as doctors and hospitals stop accepting a particular plan. If you’re hesitant about being tied to a network, want the freedom to see any doctor who accepts Medicare (including if you travel or split time between states), or would rather pay a predictable premium than face uncertainty over whether your care will be covered, a Medigap (Medicare Supplement )plan may be the better fit. We compare both with you — see our Medicare Advantage page or just ask during your consultation and we’ll walk through which one actually fits your situation, not just which one we’d rather sell.
Why Work With Burke Insurance Group
- We compare Medigap carriers and pair them with the right Part D plan — not just one piece of the puzzle
- Licensed in 22 states
- No cost to you — we’re paid by the carrier, not by you
- No call centers — you talk to a real person who knows your file
- We’ll tell you plainly if Medicare Advantage fits your situation better, even though that’s a different page on this site
Medigap FAQ
Medigap (Medicare Supplement)works alongside Original Medicare and lets you see any provider who accepts Medicare nationwide, typically for a higher monthly premium but fewer surprise costs. Medicare Advantage bundles coverage (often including drug coverage and extras) through a private plan that usually uses a network, typically for a lower premium.
Generally, the 6-month period starting the month you turn 65 and enroll in Part B, when most states guarantee you can buy any Medigap plan regardless of health history. Outside that window, medical underwriting may apply in most states.
No. Medigap plans don’t include drug coverage, so you’ll need a separate standalone Part D plan alongside it. We help you compare both together.
Yes, but it’s not guaranteed to be simple — outside your initial enrollment window, insurers in most states can ask health questions and may decline coverage or charge more. If this is a path you’re considering, timing and planning ahead matters, and it’s worth a conversation before you need to make the switch.
No. Insurers generally cannot sell you a Medigap policy while you’re enrolled in a Medicare Advantage plan, and having both wouldn’t help you anyway — Medigap is designed to work alongside Original Medicare, not alongside Medicare Advantage. If you’re moving from Medicare Advantage to Medigap, you’ll typically need to drop your Medicare Advantage plan and return to Original Medicare first.
Let’s Find the Right Medigap Plan
Free comparison, no obligation — including a straight answer on whether Medicare Advantage might fit you better.
We are not affiliated with or endorsed by Medicare or any government agency. This information is for general educational purposes and is not personalized financial, tax, or legal advice. Medigap enrollment rules, including guaranteed-issue rights, vary by state. Plan availability and benefits vary by carrier and by state.
Contact
Send us a message
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.