Medicare Supplement Plans for Clear, Predictable Coverage

What is a Medicare Supplement Plan

Medicare Supplement plans, also called Medigap insurance, work with Original Medicare to help pay deductibles, copays, and coinsurance. To enroll, you must have Parts A and B, and Medigap only pairs with Original Medicare, not Medicare Advantage. Plans are standardized by letter in most states, so a Plan G from one insurer mirrors a Plan G from another. For new enrollees, Plan G is popular since Plan F is closed to most people who became eligible after 2020. Benevolent Insurance Group Services explains choices with local context for Maryland and New York, from Baltimore and Silver Spring to the Bronx and Yonkers. If you want a refresher on all options before deciding, review Medicare plan options for a side-by-side view.

Why Many Choose Medigap for Flexibility and Control

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Predictable Costs

With the right Medicare Supplemental insurance, your out-of-pocket costs can be minimal. Plan G typically covers everything after the Part B deductible, which helps budgeting for frequent doctor visits in places like Montgomery County and Queens.

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Nationwide Acceptance

Medigap plans do not use provider networks. If a doctor accepts Medicare, you can see that doctor nationwide. This is helpful for snowbirds and anyone visiting family across the Mid-Atlantic.

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Freedom and Fewer Hurdles

When Medicare approves a service, Medigap pays its share. That often means fewer referrals and prior authorizations, which keeps care moving.

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Guaranteed Renewability

As long as premiums are paid, Medigap is guaranteed renewable. Your coverage continues even if health needs change after a move from Towson to Westchester.

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Medigap vs Other Coverage Paths

Medigap usually has a higher premium than Medicare Advantage, but you gain broad provider choice and consistent out-of-pocket protection. Medigap does not include drug coverage, so most people pair it with a stand-alone Part D plan. It does not include routine dental or vision either, which is why many add dental or vision through separate ancillary coverage for cleanings, glasses, and hearing aids.


If you want benefits like built-in dental, vision, or transportation and you are comfortable with a provider network, read about Medicare Advantage plans to compare how HMO and PPO structures differ from Medigap.

Medigap Plans We Offer

BIGS works with leading Medigap insurers to offer Plan G, Plan N, and other standardized options. Plan G is the most comprehensive for many new beneficiaries, while Plan N trades small copays for a lower premium. For cost-conscious buyers, High-Deductible Plan G can be an option. We review age-based rating, ZIP code pricing, and tobacco factors so your quote reflects local realities from the Grand Concourse to Prince George’s County.

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How to Enroll in a Medicare Supplement

Best Timing

Your six-month Medigap Open Enrollment starts when your Part B coverage begins at age 65. During this window, you can choose a plan without health underwriting in most states.

Underwriting After the Window

If you apply later, some carriers may ask health questions. We pre-screen applications and identify any guaranteed issue rights after moves or plan changes so you have the best path forward.

Get a Quote

Share your ZIP code and desired plan letter and our team will provide multiple rates to compare. If you want a medication review at the same time, we can pair Medigap with a stand-alone Part D plan for a complete picture.

Medicare Supplement Questions Answered

  • What is the difference between Plan F, Plan G, and Plan N

    Plan F pays all Medicare gaps if you are eligible, but most new beneficiaries choose Plan G, which covers everything except the Part B deductible. Plan N has lower premiums with small office and ER copays.

  • Can my Medigap be cancelled if I get sick

    Medigap policies are guaranteed renewable as long as you pay premiums on time.

  • Will my Medigap premium increase each year

    Premiums can rise due to age rating and medical cost trends. If your rate changes, we can review alternatives.

  • Do I still pay the Part B premium with Medigap

    Yes. Original Medicare remains primary and Medigap pays its portion after Medicare.