Medicare Supplement (Medigap) Plans in Philadelphia and Across Our Service Area
Medicare Supplement plans—commonly called Medigap—help pay the out-of-pocket costs Original Medicare doesn’t cover, like deductibles, copayments, and coinsurance. As your Medicare insurance agent in Philadelphia, The Medicare Mensch helps clients throughout Pennsylvania, New Jersey, Delaware, and our other licensed states compare Medigap options so they can enjoy predictable healthcare costs and freedom to see any Medicare-accepting provider in the U.S.
Why Choose a Medicare Supplement Plan
Unlike Medicare Advantage plans, Medigap policies work alongside Original Medicare. With a Medigap plan, you can visit any doctor or hospital nationwide that accepts Medicare—no network restrictions, no need for referrals, and consistent benefits whether you’re at home in Fishtown or traveling across the country.
Popular Medicare Supplement Plan Options
While Medicare Supplement plans are standardized by letter (Plan A, B, D, G, N, etc.), the right choice depends on your health needs and budget:
01.
Plan G
Comprehensive coverage for most out-of-pocket expenses, only excluding the Medicare Part B deductible.
02.
Plan N
Lower premiums than Plan G but with some copays for office and ER visits.
03.
High Deductible Plan G
Lower monthly cost with a higher annual deductible before benefits begin.
We’ll walk you through each option, compare rates from multiple carriers, and help you decide which plan meets your priorities.
Costs and Enrollment Timing
Your Medigap Open Enrollment Period begins the month you’re 65 and enrolled in Part B and lasts for six months. During this window, you can get any Medigap plan without answering health questions. After that, you may need to go through medical underwriting in most states. Premiums vary by state, age, and tobacco use.
Medicare Supplement vs. Medicare Advantage
Medigap gives you maximum flexibility and lower out-of-pocket costs for services, but comes with higher premiums and separate prescription coverage (Part D). Medicare Advantage often has lower premiums but uses provider networks and cost-sharing at the point of care. We’ll help you compare both routes so you choose confidently.
Common Questions About Medigap
Does Medigap cover prescriptions?
No—prescription coverage comes from a separate Part D plan.
Can I switch Medigap plans?
Yes, but depending
Do premiums increase over time?
Most carriers raise premiums annually, but the rate and pattern vary. We’ll review this during plan selection.
Medigap in Philadelphia and Beyond
From Philadelphia and its suburbs to Harrisburg, Wilmington, Baltimore, and Miami, we match clients with Medigap plans from trusted carriers like Aetna, Mutual of Omaha, and Blue Cross affiliates. Whether you stay close to home or travel often, we’ll help you secure a plan that keeps you covered.
Take the Next Step
Schedule a free consultation today to compare Medicare Supplement plans in your area. We’ll review your healthcare needs, explain your options in plain language, and handle the enrollment process from start to finish.