What Is a Medicare Supplement (Medigap) Plan?

Medicare Supplement Plans (also known as Medigap) are designed to help pay the costs that Original Medicare (Parts A & B) doesn't cover. These include deductibles, copayments, and coinsurance. At Schatz Benefits, we'll help you compare Medigap plans available in Minnesota and find coverage that gives you peace of mind and predictable costs.

What's Included in a Medicare Supplement Plan

Medigap plans help cover:

Medigap plans are standardized by letter (like Plan G or Plan N), meaning the benefits are the same no matter which insurance company you choose-but premiums can vary.

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Medicare Part A deductible and coinsurance

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Medicare Part B coinsurance and copayments

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Skilled nursing facility coinsurance

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Foreign travel emergency care (on some plans)

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Excess charges for certain Medicare-approved services

Medicare Supplement Plans Explained Simply

Medigap plans work alongside Original Medicare. You'll still use your Medicare card for coverage, but your Supplement plan helps pay for many of the costs left over after Medicare pays its share.


Important things to know:

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Medigap plans don't include prescription drug coverage-you'll need a separate Part D plan for that.

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You can see any doctor or hospital in the U.S. that accepts Medicare; no networks, no referrals.

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Premiums vary by plan and provider, but you won't have unexpected bills from covered services.

The Benefits of Choosing a Medigap Plan

Medigap Plans are ideal for people who want:

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Freedom to see any Medicare-accepting doctor nationwide

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Predictable, budget-friendly out-of-pocket costs

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No network restrictions or required referrals

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Simplicity when traveling or spending time in multiple locations

We'll help you compare the most popular Medigap options and see if this coverage fits your needs and budget.

Common Questions About Medicare Supplement Plans

  • How is Medigap different from Medicare Advantage?

    Medigap works alongside Original Medicare to help pay costs like deductibles and coinsurance, while Medicare Advantage replaces Original Medicare with an all-in-one private plan. Medigap gives you more provider freedom, but you'll need separate drug coverage.

  • Which Medigap plans are most popular in Minnesota?

    Plans G and N are often the most popular choices because they offer broad coverage and fewer out-of-pocket costs. We'll help you compare based on your personal needs.

  • Do Medigap plans cover dental or vision?

    No. Medigap plans strictly cover costs related to Medicare-covered services. For dental, vision, and hearing, you'll need a separate plan.

  • Can I switch Medigap plans later?

    It depends. In Minnesota, certain state-specific Medigap rules apply, and underwriting may be required in some cases. We'll explain your rights and options before you make changes.

  • How do I know if Medigap is right for me?

    If you value broad access to providers, want predictable costs, and travel frequently, Medigap may be your best fit. We'll help you compare all your choices.