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.