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Not sure what plan is right for you? Take Our Medicare Quiz

Do I need a Medicare Supplemental (Medigap) insurance plan with Medicare?


Buying a Medicare Supplement (Medigap) plan is optional, but, without any supplemental insurance, you would be responsible for 20% of all Medicare covered costs. This includes things like hospital stays, out-patient surgeries and chemotherapy. This would be financially devastating without some form of supplemental or gap insurance coverage.

If a Medicare Supplement (Medigap) plan is out of your budget, please consider a Medicare Advantage plan, which has lower premiums because you agree to use network providers in your local area. With these plans you “pay as you go”, which might not always save you money. 

Learn More: How much does a Medicare Supplement (Medigap) plan cost?

People Also Read: Can I enroll in a Medicare Supplement (Medigap) plan at any time?


Meet Melissa MacCalla

Medicare is not simple and can be hard, frustrating, and downright confusing for most. I love when I get someone on the phone and I am given the opportunity to explain the difference in plans to them and have Medicare make sense. I enjoy talking to clients year after year, hearing about their families growing or them asking about mine.


Senior Healthcare Solutions, you truly stand out from most other insurance agents. Thank you so much for all of your help and I know that you will have nothing but success with how you conduct business.

Joan B.

Montgomery, AL

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