Medicare Supplement Insurance

Original Medicare covers a lot, but it doesn't cover everything — and the gaps can add up fast. We help South Florida residents compare Medigap plans from multiple carriers, understand what they're actually buying, and make a decision they feel good about.

What Original Medicare Leaves Out

Original Medicare — Parts A and B — covers a significant portion of your healthcare costs, but it leaves deductibles, coinsurance, and copayments on the table. For many people, those out-of-pocket costs are manageable in a good year and genuinely stressful in a bad one. A Medicare supplement plan, also called Medigap, is designed to fill those gaps. Depending on the plan you choose, it can cover your Part A hospital coinsurance, your Part B coinsurance, and in some cases your Part A deductible — so you're not caught off guard when you actually need care.

Turning 65 Shouldn't Feel Like a Homework Assignment

If you're approaching Medicare eligibility and feeling overwhelmed by the options, you're not alone. The alphabet soup of plans, the enrollment windows, the difference between supplement and advantage — it's a lot to sort through without someone to walk you through it. We've been having this conversation with Fort Lauderdale residents for over 30 years, and we know how to explain it clearly without steering you toward whatever's easiest for us to sell.

When you call us, we'll start by making sure you understand how Original Medicare works and where a supplement plan fits in. Then we'll walk through the standardized Medigap plan options — what each one covers, what it costs, and how it holds up over time. No pressure, no rush. Just a clear conversation so you can make the right call for your situation.

We're Local — and That's the Point

Fort Lauderdale has one of the largest retiree populations in South Florida, and a lot of Medicare decisions get made by people who'd rather sit down with someone they trust than navigate a 1-800 number. We're one office, locally staffed, and we answer our own phones. If you have a question after your plan is in place, you can call us back and reach the same people you spoke with before. That's not something a national call center can offer.

Medigap Plans We Can Help You Compare

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Plan G

Plan G is one of the most comprehensive Medigap options available to new Medicare enrollees. It covers your Part A hospital coinsurance and costs, Part B coinsurance, the Part A deductible, skilled nursing facility coinsurance, and foreign travel emergency care (up to plan limits). The only cost it doesn't cover is the Part B deductible, which is a fixed annual amount set by Medicare. For many people turning 65, Plan G offers the broadest coverage with the most predictable out-of-pocket exposure.

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Plan N

Plan N covers most of the same categories as Plan G but with a different cost-sharing structure. You'll pay a copay of up to $20 for some office visits and up to $50 for emergency room visits that don't result in inpatient admission. In exchange, Plan N typically carries a lower monthly premium than Plan G. It can be a good fit if you're generally healthy, don't expect frequent specialist visits, and want to keep your premium down without giving up core coverage.

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High-Deductible Plan G

High-Deductible Plan G offers the same coverage as standard Plan G but requires you to meet a higher annual deductible before the plan begins paying. The trade-off is a significantly lower monthly premium. This option tends to appeal to people who are in good health, have some financial cushion to cover the deductible if needed, and want to keep their fixed monthly costs as low as possible while still having comprehensive coverage once the deductible is met.

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Plan A

Plan A is the most basic standardized Medigap option. It covers Part A hospital coinsurance and costs, Part B coinsurance, and the first three pints of blood — but it doesn't cover the Part A deductible, skilled nursing facility coinsurance, or the Part B deductible. It's the entry-level option in the Medigap lineup, and for some people the lower premium makes it worth considering if other gaps in coverage are less of a concern. We'll walk you through whether it's the right fit given your health history and budget.

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Common Questions About Medicare Supplement Insurance

  • What's the difference between Medicare supplement and Medicare Advantage?

    Medicare supplement (Medigap) works alongside Original Medicare — it helps pay costs that Medicare doesn't fully cover, like deductibles and coinsurance. Medicare Advantage is a separate type of plan that replaces Original Medicare entirely. This page covers supplement plans only; if you have questions about other Medicare options, give us a call and we'll point you in the right direction.

  • When is the best time to enroll in a Medigap plan?

    The best time is during your Medigap Open Enrollment Period, which begins the month you turn 65 and are enrolled in Medicare Part B. During this six-month window, insurers can't deny you coverage or charge you more based on your health history. Outside of this window, you may be subject to medical underwriting, which can affect your options and your premium.

  • Can I switch Medicare supplement plans later if my needs change?

    In most cases, yes — but switching outside of a guaranteed issue period typically requires medical underwriting, which means the new carrier can review your health history before approving coverage. We review plans with clients at renewal time and can walk through what switching would involve based on your current situation.

  • Do Medigap plans cover prescription drugs?

    No. Medicare supplement plans don't include prescription drug coverage. If you need drug coverage, that's handled separately through a Medicare Part D plan. We can help you understand how Part D fits alongside a Medigap plan so you're not left with a gap in your coverage.

  • Is a Medicare supplement agent in Fort Lauderdale different from calling a carrier directly?

    When you call a carrier directly, they can only tell you about their own plans. As an independent Medicare supplement agent in Broward County, we can compare options from multiple carriers side by side — so you get a clearer picture of what's available and what's actually the best fit for your budget and health situation.

Ready to Talk Through Your Medicare Options?

Whether you're turning 65 and starting from scratch or you've had a Medigap plan for years and want to make sure it still makes sense, we're here to help. Call our Fort Lauderdale office and let's have a real conversation — no pressure, no jargon, just straight answers from people who've been doing this in South Florida since 1993.