Medicare Supplement Insurance, also called Medigap, helps pay many of the out-of-pocket costs that Original Medicare doesn't cover, including deductibles, copays, and coinsurance. These plans work alongside Original Medicare, helping make healthcare expenses more predictable while giving you the freedom to see any doctor or specialist who accepts Medicare.

Although both are Medicare options, they work very differently. Medicare Supplement (Medigap) works with Original Medicare to help cover out-of-pocket expenses while allowing you to see any provider nationwide who accepts Medicare. Medicare Advantage replaces Original Medicare with a private plan that may include additional benefits such as dental or vision coverage, but often uses provider networks and different cost structures. Our knowledgeable agents can help you compare both options to determine which best fits your healthcare needs.

The best time to enroll is during your Medicare Supplement Open Enrollment Period, which begins when you're age 65 or older and enrolled in Medicare Part B. During this time, you generally have the greatest choice of plans and cannot be declined because of your health. Even after this enrollment period ends, you may still be able to apply for or change Medicare Supplement plans depending on your health, state regulations, and individual circumstances. Our experienced agents can help you understand your options and determine the best time to enroll.

In many cases, yes. Medicare Supplement plans can generally be changed throughout the year, although in many states you may be asked health questions or go through medical underwriting when applying for a new plan. Because rules vary by state and individual circumstances, our experienced agents can help you review your options and determine whether changing plans is the right choice for you.

Final Expense Insurance is a type of whole life insurance designed to help your loved ones pay funeral costs, burial or cremation expenses, medical bills, and other final obligations. Any remaining funds can be used by your beneficiaries for other expenses, helping reduce financial stress during a difficult time.

Qualification requirements vary depending on the type of coverage you choose. Many Medicare Supplement plans require health questions and underwriting outside of certain enrollment periods, although a physical exam usually isn't required. Final Expense Insurance often features simplified underwriting and may not require a medical exam, making coverage easier to obtain for many seniors.