Medicare Supplement Plans (Medigap)
What Are Medicare Supplement Plans?
Medicare Supplement insurance, also known as Medigap, helps cover the costs Original Medicare leaves behind—like deductibles, coinsurance, and copays. With these plans, Medicare pays first and your supplement pays second, so your out-of-pocket costs stay low and predictable.
Comparing Popular Medigap Plans
- Plan G: Covers nearly everything except the Part B deductible. Popular choice for new enrollees.
- Plan N: Lower premium, requires small copays ($20 for doctor visits, $50 for ER). Doesn’t cover Part B excess charges.
- Plan F: Closed to new enrollees after 2020, but still available for those who qualified earlier.
Enrollment and Switching
The best time to get Medigap is during your six-month Medigap Open Enrollment Period after you first enroll in Part B. During this time, you’re guaranteed acceptance regardless of health. Outside of this window, medical underwriting may apply. FD Insurance Agency helps clients understand their rights and timelines to avoid coverage gaps.
Kansas Medigap Carriers
We work with well-known carriers in Kansas and surrounding states, such as Aetna, Mutual of Omaha, Blue Cross Blue Shield of Kansas, and UnitedHealthcare/AARP. This gives us flexibility to shop around and compare rates for Plan G, N, and more.
Key Features of Medigap
Universal acceptance
See any provider nationwide who accepts Medicare. Great for rural clients and frequent travelers.
Standardized plan options
Plan G from one insurer has the same core benefits as Plan G from another. The main difference is cost and service.
Predictable costs
Higher monthly premium than
Medicare Advantage, but fewer surprise bills when you use services.
No referral requirements
With Medigap, you can see specialists directly without network restrictions.
Medigap FAQs
Can I use my Kansas Medigap plan in other states?
Yes. Any provider nationwide that accepts Medicare also accepts Medigap.
Will my Medigap premium increase over time?
Yes, premiums usually rise with age or inflation. We help you compare options if costs become too high.
Does Medigap include prescription drug coverage?
No, you’ll need a separate Medicare Part D plan.
What happens if Medicare benefits change?
Medigap adjusts automatically to cover the same defined gaps by law.
