Medicare was established in the 1960s. When it was created, Medicare only had two parts, Part A and Part B. These parts are known as Original Medicare and provide your inpatient and outpatient medical care coverage. Over the years, changes have been made to the program, however, continues to provide health coverage to seniors.

Medigap, or Medicare Supplement Plans, are private insurance that fill in gaps between what is covered by your Medicare benefits and what you will pay out of pocket. You purchase Medigap from private insurance companies.

Medicare Plan F covers gaps in Original Medicare. It is considered the most comprehensive coverage among the available Medicare supplement plans. 

Medicare Plan G is a very popular Medicare Supplement plan among Baby Boomers.

Plan G offers a great value for beneficiaries willing to pay a small annual deductible. 

After paying a small deductible, Plan G provides full coverage for all gaps in Medicare. 

• Pays Medicare Part A hospital deductible, copays, and coinsurance. 
• Covers the 20% that Medicare Part B doesn’t cover. 
• Doctors and other healthcare providers must accept a Medigap Plan G if they accept Original Medicare. 
• Plan G policies can be used across the U.S.
• There are no network limitations
• The premium costs are very reasonable for the coverage you receive.

Medicare Plan N is a supplemental policy which usually has a lower premium.

• You pay your Part B deductible, excess charges and a few co-pays for Dr. and emergency visits. 
• Referred to as Medigap Plan N
• Created for consumers who like the idea of paying a lower premium in exchange for taking on a small annual deductible and a few copayments.

Medicare brokers get paid by the insurance companies they represent. You pay exactly the same rate for Medicare insurance if you use a Medicare consultant (broker). 

There is no extra fee or cost for enrolling in Medicare through a broker. You will never pay a fee for our help.

Independent Medicare insurance brokers provide unbiased service regarding different Medicare plans.