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Medicare Supplemental

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Medicare Supplemental Insurance, also known as Medigap, is a type of insurance designed to fill the gaps in Original Medicare coverage. It helps pay for out-of-pocket costs such as coinsurance, and deductibles that Medicare Parts A and B do not cover. Medigap policies are offered by private insurance companies and can provide you with additional financial protection and peace of mind.

While Original Medicare provides essential health coverage, it doesn't cover everything. Without supplemental insurance, you may be left with significant out-of-pocket expenses for hospital stays, medical services, and supplies. Medigap policies help cover these costs, reducing your financial burden and ensuring you have comprehensive coverage.

  • Comprehensive Coverage

    Medigap plans cover various out-of-pocket costs, including copayments, coinsurance, and deductibles, helping you manage your healthcare expenses more effectively.


  • Nationwide Acceptance

    Medigap policies are widely accepted by healthcare providers that accept Medicare, giving you the flexibility to seek care from a broad network of doctors and hospitals.


  • Guaranteed Renewability

    As long as you pay your premiums, your Medigap policy is guaranteed renewable, regardless of any changes in your health status. This ensures continuous coverage and financial protection.
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01

Eligibility

To purchase a Medigap policy, you must be enrolled in Medicare Parts A and B. The best time to buy a Medigap policy is during your Medigap Open Enrollment Period, which starts the month you turn 65 and enroll in Part B.

02

Coverage

Medigap policies work alongside your Original Medicare coverage. When you receive healthcare services, Medicare pays its share of the approved amount, and your Medigap policy covers the remaining costs.

03

Premiums

You pay a monthly premium for your Medigap policy in addition to your Part B premium. Premiums vary based on the plan you choose and the insurance company offering it.

Get Started Today

At Front Range Benefits, we are committed to helping you find the right Medigap policy to suit your needs. Our experienced team provides personalized service, guiding you through the options and helping you select the plan that offers the best coverage and value. We prioritize clear communication and ongoing support to ensure you feel confident in your healthcare choices.

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