Want Medigap, but Can’t Afford it?

So you’ve looked into Medigap but it’s too expensive. Don’t worry there are 3 options for you.

Options to Traditional Medigap

If you have found that the monthly premium for a Medigap plan, AKA Medicare Supplemental Insurance, is out of reach for but you still want more coverage than Original Medicare offers, these are your options:

• Medicare Advantage replaces Medicare. MA plans must cover everything that the fed program covers, however with a smaller network in exchange for additional benefits like dental, vision, and Rx. This usually makes your premium less than a Medicare premium.
• Medigap Plan High Deductible F offers the comprehensive coverage of the most popular Medigap Plan F, allows you to maintain Medicare’s largest nationwide network of doctors and hospitals, and all the while keeping your monthly premium much very low. The way they do this is by having a $2,950 deductible in 2026. The monthly savings are often worth it.

Note: High Deductible Plan F is only available if you were eligible for Medicare before January 1, 2020. If you’re new to Medicare, look at High Deductible Plan G instead. Its deductible is $2,950 in 2026, the same as High Deductible Plan F, and once it’s met the plan covers everything regular Plan G does.

• Medigap SELECT offers the “fill-in-the-gaps” coverage of traditional Medigap, but within a PPO-like network, therefore lowering your monthly premium

To enroll in one of these three options, give us a call the number at the top of this page.