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

  • Medicare with Melissa

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?

Related Articles: Supplemental Plan G, Supplemental Plan F, Humana Supplement Plan G

Medicare Plan Comparisons: Medigap Plan F vs G, Medicare Plan N vs Plan F

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.


Oh my gosh!! I was so confused about the Medicare Supplement process. I am turning 65 soon and am retired and have always had insurance thru my former employer. I didn’t know a thing about going on Medicare and was struggling to sort it all out.

A friend of mine recommended contacting Senior HealthCare Solutions, so I did. Melissa was FANTASTIC!! She was professional, responsive, caring and friendly. She explained the steps I needed to take, gathered my information, helped me choose good plans for MY specific needs and took care of my applications over the phone. 1-2-3, eesy-peesy and I was done!! And it didn’t cost me a DIME!!! WOW!!! I HIGHLY recommend Senior Healthcare Solutions for anyone who’s overwhelmed with making the right choices with Medicare Supplemental Insurance and Rx coverage. It’ll take a load off your mind!

Janice W.

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