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Medicare Supplements
Medicare Supplement Plans (Medigap)
Medicare Supplements help pay the "gaps" in Original Medicare so you can enjoy more predictable costs and broad access to doctors nationwide.
Atlas Benefits is an independent, multi-carrier Medicare specialist helping you compare Medigap options with clarity and confidence.
Medicare supplements are standardized and we will provide you with quotes from multiple carriers but things to consider are:
Market Stability. How long have they been in the market and how will that impact future rate increases.
Do they offer a household discount?
Make sure you're comparing the same plan. Ex Plan G vs Plan G "Select"
What enrollment period are you in?
How Medicare Supplement Coverage Works with Original Medicare
With Medigap, Original Medicare remains your primary coverage. Medicare pays its share first, and then your Supplement plan helps cover eligible remaining costs based on the plan letter you choose.
Step 1: You use Original Medicare. You can typically see any doctor or hospital in the US that accepts Medicare.
Step 2: Medicare pays first. Medicare processes the claim and pays its approved portion.
Step 3: Medigap helps with the "gaps." Your supplement plan helps pay deductibles/coinsurance/copays depending on the plan.
Step 4: Add Part D for prescriptions. Most people add a separate Part D drug plan to cover medications.
Medicare Supplement Basics
Medicare Supplement plans, also called Medigap plans, help cover some of the out-of-pocket costs left behind by Original Medicare.
Works With Original Medicare
Medicare Supplement plans work alongside Original Medicare Parts A and B. Medicare pays first, then your supplement plan helps pay eligible remaining costs.
Helps Fill the Gaps
These plans can help pay for deductibles, coinsurance, and copayments that Original Medicare does not fully cover.
Standardized Plan Letters
Medigap plans are labeled by letters such as Plan G, Plan N, and Plan A. Benefits are standardized, but premiums can vary by insurance company.
Separate From Part D
Medicare Supplement plans generally do not include prescription drug coverage. Many people pair a Medigap plan with a separate Part D drug plan.
Freedom to Use Medicare Providers
With Original Medicare and a Medigap plan, you can generally see any doctor or hospital in the U.S. that accepts Medicare.
Rates Can Vary by Carrier
Even though plan benefits are standardized, monthly premiums and rate increases can differ from company to company. Comparing carriers matters.
Choosing the right Medicare Supplement plan depends on your budget, health needs, travel habits, and how much cost predictability you want.
Medicare Supplement Alternatives
Medicare Advantage plans (Part C) are offered by private insurance companies and combine your Medicare Part A and Part B coverage into one plan. Many plans are zero premium and include additional benefits like Rx coverage, dental, vision, hearing, gym memberships and OTC.
MSA's combine a high-deductible Medicare Advantage plan with a savings account that Medicare funds each year to help pay for qualified medical expenses. You can use the money in the account to cover healthcare costs before your deductible is met and any unused funds roll over for future use.
PACE is a Medicare and Medicaid program that provides comprehensive medical and social services to help eligible seniors live safely in their homes instead of a nursing facility. It coordinates all care-including doctor visits, medications, therapy and transportation- through a local PACE organization.
We may not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.