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Which Health Plan is Right for Me?

If you’re new to Medicare — or planning ahead — you might believe it’s the ultimate solution for healthcare coverage.

Original Medicare (Medicare Part A and Medicare Part B) was established in 1965 to ensure millions of Americans — especially those over 65, individuals with disabilities, and people with End-Stage Renal Disease (ESRD) — had access to vital health insurance.

Over the decades, Medicare has provided essential care and even saved countless lives. However, it’s important to understand:
Medicare was never designed to cover 100% of your healthcare costs.

While Medicare costs have steadily risen since 1965, coverage benefits in several areas have decreased. As a result, significant gaps in Medicare coverage exist — creating a real need for additional insurance options.

When Is Medicare Supplement Insurance a Good Choice?

In short — very often.

Medicare Supplement Insurance (Medigap) is designed to help fill the gaps in Original Medicare by covering expenses like:

  • Deductibles

  • Coinsurance

  • Copayments

  • Other out-of-pocket costs

If you’re enrolled in both Medicare Part A and Medicare Part B, you’re eligible to purchase a Medigap plan through private insurance companies.

Important:
While Medigap plans generally do not cover prescription drugs, you can pair your coverage with a Medicare Part D plan for full protection.
Learn how Medigap works with Part D plans.

Why Medicare Supplement Plans Are Popular

  • Flexibility: Choose from a broad network of doctors and hospitals — not a limited provider list.

  • Predictable Costs: Many plans significantly reduce surprise out-of-pocket expenses.

  • Ideal for Travelers: Enjoy nationwide coverage — perfect if you move or travel frequently.

  • Affordable: Premiums often range from $100 to $200 per month for a nonsmoking 65-year-old.

Cheaper alternatives exist, but Medicare supplement plans typically offer better flexibility and security.

Ready to Find the Right Medigap Plan?

Call MedicareMall toll-free at (877) 413-1556 for personalized assistance or click the button below to book a free consultation with one of our licensed agents.