See any doctor who takes Medicare. No networks, no surprises.
A Medigap plan fills the gaps Original Medicare leaves behind — no referrals, no networks, fewer surprise bills. It costs more up front than Advantage, but for a lot of people, that trade-off is worth it. Let's figure out if it's worth it for you.
Coverage changes every year — yours should be reviewed just as often. Every fall, during Medicare’s Annual Enrollment Period, I sit down with my clients and make sure their plan still fits.
Questions people ask before choosing a Supplement plan
What's the difference between Medigap and Medicare Advantage?
Medigap works alongside Original Medicare and covers the gaps it leaves — with no networks and no referrals, but a higher monthly premium. Medicare Advantage bundles your coverage into one plan through a private carrier, usually with a lower premium but a defined network. They're not used together — it's one or the other.
What do the plan letters (like G or N) actually mean?
Medigap plans are standardized by law, so a Plan G from one carrier covers exactly the same benefits as a Plan G from any other carrier — only the price and service differ. Plan G is currently the most comprehensive option available to newly eligible enrollees, and Plan N offers similar coverage with a lower premium in exchange for small copays on certain visits. I'll walk through which letter fits your situation.
When is the best time to enroll in a Medigap plan?
Your strongest position is during your 6-month Medigap Open Enrollment Period, which starts the month you turn 65 (or later, if you delay Part B) and are enrolled in Part B. During this window, carriers have to accept you regardless of health history. Outside of it, you may face medical underwriting.
Can I be turned down for a Medigap plan?
Outside your Open Enrollment window, yes — carriers can medically underwrite you, meaning they can charge more or decline coverage based on your health history. This is why timing matters, and it's something I check carefully before you apply.
Does it cost anything to meet with you?
No. Consultations are free, with no obligation to enroll through me. I'm paid by the insurance carriers, the same way every licensed agent is — it doesn't change your premium either way.
Let’s find your plan — together.
No call centers, no confusing forms. Just a real conversation with someone who knows Medicare and knows Richmond.
