Medicare Supplement Plans (Medigap)
Medicare Supplement Insurance, also known as Medigap, helps cover the out-of-pocket costs left behind by Original Medicare. These plans can pay for deductibles, copayments, and coinsurance, giving you more predictable healthcare expenses. With Medigap, you can see any doctor or hospital nationwide that accepts Medicare without worrying about network restrictions.
Medigap Overview
Medicare Supplement Insurance, or Medigap, is designed to work alongside Original Medicare (Parts A and B). While Medicare pays a large portion of your healthcare costs, you're still responsible for deductibles, coinsurance, and copayments. A Medigap plan helps cover those gaps, so you're not left with unpredictable expenses.
With Medigap, you have the freedom to see any provider in the United States that accepts Medicare, without being tied to a specific network. These plans are standardized by the federal government, meaning Plan G or Plan N will offer the same benefits no matter which insurance company you choose. What varies is the monthly premium and customer service, which is where MarioCare can help you compare your options.
If you live in Las Vegas, Henderson, or the surrounding Nevada area, our licensed local broker can guide you through the available Medigap plans. We'll explain how each plan works, check the premiums from different carriers, and help you choose the right balance of coverage and affordability at no cost to you.
What Medigap Covers
- Part A coinsurance and hospital costs
- Part B coinsurance and copayments
- First three pints of blood
- Hospice care coinsurance
- Skilled nursing facility coinsurance (in many plans)
- Part A and Part B deductibles (depending on the plan)
- Foreign travel emergency care (in certain plans)
What Medigap Doesn't Cover
- Prescription drugs (must enroll in a separate Part D plan)
- Routine dental, vision, and hearing care
- Long-term custodial care
- Private-duty nursing
- Extra benefits like fitness or transportation (these are found in Medicare Advantage plans)
Frequently Asked Questions
What extra benefits can Medicare Advantage plans offer?
Depending on the plan, you may get added benefits such as dental, vision, and hearing coverage, fitness memberships, transportation to appointments, or over-the-counter allowances. These extras vary by carrier and plan.