Medicare Supplement (Medigap) — Fill the Gaps in Medicare

How Does Medigap Work with Original Medicare?

When you have a Medigap plan:

• Medicare pays its approved portion first.
  
• Your Medigap plan then covers some or all remaining costs, depending on the plan you choose.
  
  

Medigap plans are standardized in Arizona and across the U.S., meaning the benefits for each plan type (Plan G, Plan N, etc.) are the same no matter which insurance company you choose.

Most Popular Medigap Plans in Arizona

Two of the most popular Medigap options for Arizona seniors are:

• Plan G: Covers almost everything except the Part B deductible. It offers comprehensive protection and predictable costs.
  
• Plan N: Lower premiums than Plan G but includes small copays for some office and ER visits.
  
  

Choosing the right plan depends on your budget, healthcare usage, and future needs — I can help you decide which fits best.

Medigap vs. Medicare Advantage: Which Is Right for You?

Deciding between Medigap and Medicare Advantage depends on your lifestyle and preferences:

• Medigap + Original Medicare + Part D:
  
• Nationwide provider flexibility (see any doctor who accepts Medicare)
  
• Higher monthly premiums but lower out-of-pocket costs
  
• No networks or referrals
  
  
• Medicare Advantage (Part C):
  
• Often lower monthly premiums
  
• Local provider networks (HMO or PPO)
  
• Extra benefits like vision or dental, but more restrictions
  
  

Need help choosing? I will walk you through the pros and cons to help you feel confident in your choice.

What Are the Costs for Medigap Plans?

Medigap plans require a monthly premium, which varies based on factors like your age, location, plan type, and insurer.

Key points:

• Rates can change annually.
  
• In Arizona, your best time to enroll is during your Medigap Open Enrollment Period (the six months after you turn 65 and enroll in Part B). During this time, you can’t be denied or charged more due to pre-existing conditions.
  
  

Outside this window, underwriting rules may apply — I can help you navigate these details and find the best option.

Choosing the Right Medicare Supplement Plan

Selecting a Medigap plan is a big decision. I, Javier Alvarez, your local Medicare Supplement broker in Arizona, compare plans from multiple top-rated insurers to help you find one that matches your budget and health needs.

Medigap plans are standardized — so the real value comes from personalized guidance and support to ensure you're not paying more than necessary.