Medicare Supplement (Medigap) plans work alongside Original Medicare to cover the 20% coinsurance, deductibles, and other out-of-pocket costs — giving you predictable expenses and the freedom to see any Medicare-accepting doctor nationwide.
Original Medicare pays 80% of most covered services. The other 20% is yours — and with no out-of-pocket maximum in Original Medicare, those costs can add up fast.
A Medicare Supplement (Medigap) plan is private insurance that picks up those costs. You keep your Original Medicare, and the Supplement plan pays the rest. You can see any doctor or hospital in the country that accepts Medicare — no referrals, no networks.
Because these plans are standardized by the federal government, a Plan G from one company covers exactly the same things as a Plan G from another. The only real difference is price — and we shop multiple carriers to find you the best rate.
Plan G covers nearly everything Medicare Supplement can cover. After you pay the annual Part B deductible ($240 in 2024), your Plan G pays 100% of Medicare-approved costs for the rest of the year.
Plan N offers strong coverage at a lower monthly premium than Plan G. The trade-off: small copays for some office and ER visits, and you pay the Part B excess charge if a doctor doesn't accept Medicare assignment.
Founder of Mauldin Insurance Group. 20+ years in banking & finance. Medicare specialist, Maxwell Leadership certified, Senior Advocate.
Independent, honest, and always in your corner. Dedicated to helping South Carolina families find the right coverage — never in a hurry to push a sale.
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