A Medicare Supplement plan — also called Medigap — works alongside Original Medicare to pay the costs it leaves behind: deductibles, copays, and the 20% coinsurance that otherwise has no cap. You'll typically pair it with a standalone Part D drug plan. In exchange for a monthly premium, you get predictable costs and the freedom to see any provider in the country who accepts Medicare — no networks, no referrals.
Who Medigap Fits Well
- People who want maximum predictability in their medical costs
- Anyone who sees specialists regularly or manages chronic conditions
- Snowbirds and frequent travelers who need nationwide access
- Those who want to keep full freedom to choose their providers
A big New York advantage: New York is one of the few states where Medigap is guaranteed-issue year-round with community rating — you can't be denied or charged more for health reasons. That gives New Yorkers far more flexibility than most of the country. We break down the choice in Medicare Advantage vs. Original Medicare.
How The Pane Agency Helps
Medigap plans are standardized by letter, but premiums for the same coverage can vary a lot between carriers. We compare pricing across companies so you get the same benefits for less — free, with no obligation.
This page is for general education only and is not plan-specific advice. The Pane Agency does not offer every plan available in your area. We are not connected with or endorsed by the U.S. government or the federal Medicare program. For a complete list of options, contact Medicare.gov or 1-800-MEDICARE.