How Medigap fits
Medigap works with Original Medicare to help pay certain deductibles, copayments or coinsurance, depending on the standardized plan selected. It is different from Medicare Advantage.
Licensed in Nine States · Personal Guidance
Medigap with Part D
Explore Medicare Supplement coverage for Original Medicare cost sharing, alongside a separate Part D prescription drug plan.
What to consider before choosing coverage
Review your enrollment rights
Your Medigap open enrollment period and any guaranteed issue rights are different from Medicare Advantage or Part D enrollment periods. Discuss dates and prior coverage before applying.
Drug coverage is separate
Modern Medigap policies do not include prescription drug coverage. Compare a separate Part D plan using your medications and preferred pharmacy.
Compare more than the letter
Consider the premium, rating method, insurer, policy terms and any applicable underwriting or pre-existing condition waiting period. No acceptance or premium is promised.
Can I change Medigap during Medicare annual enrollment?
You can apply to change a Medigap policy, but the Medicare annual enrollment period does not itself create a Medigap guaranteed issue right. Eligibility and underwriting depend on your circumstances and applicable rules.
Guidance focused on your situation
We help people across our nine licensed states understand their choices and practical next steps. We review your goals, explain relevant coverage terms and discuss available options without an obligation to enroll.
Have current policy information and your questions available. Ask for a secure intake method before sharing health or financial information.
Find your next step with Lisa
Discuss your questions with a licensed insurance broker.
Schedule Your Guidance CallEducational information only. Advantage 1 Insurance LLC is an independent insurance agency and is not affiliated with or endorsed by Medicare, Social Security, or any government agency. Coverage, benefits, eligibility, premiums, exclusions and availability vary by insurer, product, location and individual circumstances. The policy or plan documents govern. No acceptance, savings or outcome is guaranteed.