|
|
Huhn Insurance Agency
Fill Coverage Gaps in Original Medicare with Predictable Costs
Fill the Gaps in Original Medicare with Reliable Coverage
Medicare Supplement plans, also known as Medigap, help pay for costs not covered by Original Medicare — like deductibles, coinsurance, and copays. We'll help you compare Supplement options and choose the plan that fits their health needs and budget. These policies are standardized, but premiums and underwriting rules vary by carrier, and we’ll walk you through all of it.
What You Need to Know About Medicare Supplement Plans
Trying to Cover Out-of-Pocket Costs?
Medicare Supplement plans work alongside Original Medicare (Parts A & B). They don’t replace your coverage — they help reduce the out-of-pocket expenses that come with it. You’ll pay a monthly premium for the Supplement policy, but it can offer predictable costs and freedom to see any provider that accepts Medicare nationwide. Plans are labeled by letter (A, G, N, etc.), and we help you choose the one that makes the most sense for your situation.
What We Help With
- Comparing Medigap plans available in your area
- Explaining the differences between Plan G, Plan N & other options
- Reviewing monthly premiums across multiple carriers
- Helping you time your enrollment to avoid medical underwriting
- Explaining what’s covered (and what’s not)
- Coordinating your Medigap with a separate Part D drug plan
Who This Is For
- Medicare recipients who want predictable out-of-pocket costs
- Seniors who prefer access to any Medicare provider without referrals
- People aging into Medicare who want a supplement instead of Advantage
- Travelers or snowbirds who need national provider flexibility
- Those with frequent healthcare needs who want help with copays & deductibles
Notes & Tips
02
Medigap plans don’t include prescription drug coverage — we’ll help you pair it with a Part D plan.
01
You have a guaranteed issue window when you first enroll in Medicare Part B — it’s the best time to apply for a Supplement plan.
03
Unlike Advantage plans, Medigap plans don’t restrict you to networks — you can see any provider nationwide who accepts Medicare.
04
We help clients in multiple states compare and enroll in Supplement plans year-round.
Frequently Asked Questions
What’s the difference between Plan G and Plan N?
Plan G covers more out-of-pocket costs but has a higher monthly premium. Plan N is more affordable with some copays. We’ll help you decide.
Can I enroll in a Supplement if I already have Medicare Advantage?
Not at the same time. You’d need to switch during the right enrollment period. We can help with that process.
Is there a deadline to apply for Medigap?
There’s no hard deadline, but applying outside your initial eligibility window may require medical underwriting. Sooner is usually better.
Do these plans cover prescriptions?
No — you’ll need a separate Medicare Part D plan. We’ll help you enroll in both.
Is your help really complimentary?
Yes. We’re licensed brokers, and there’s no cost to you. You’ll pay the same premium whether you enroll through us or not.
Get Help Choosing a Medicare Supplement Plan
We’ll help you understand your options and enroll in a plan that fits your budget and lifestyle.
