Medicare Supplement

Medicare Supplement (Medigap) plans are designed to fill in the gaps left by Original Medicare (Parts A and B). While Original Medicare provides excellent coverage for hospital and medical care, it doesn’t cover all out-of-pocket costs. Medigap helps cover the deductibles, coinsurance, and copayments that Medicare doesn’t pay, allowing you to better manage your healthcare expenses.

At Top Flight Senior Solutions, we understand that healthcare costs can be unpredictable, especially as you age. Medigap provides a financial safety net, reducing the out-of-pocket expenses that can add up quickly. These plans cover a range of costs, including hospital deductibles, doctor visit coinsurance, and skilled nursing facility copays, ensuring that you won’t be burdened with excessive medical bills.

Medigap plans offer various levels of coverage, from basic plans that cover essential costs to more comprehensive plans that cover a wide array of out-of-pocket expenses. The plans are standardized, meaning each lettered plan (A through N) offers the same benefits, no matter which insurance company provides the coverage. This consistency allows you to compare options and choose the plan that best fits your needs.

One of the main advantages of Medigap is the flexibility it offers. Unlike Medicare Advantage, which often requires you to use a network of healthcare providers, Medigap allows you to visit any doctor or specialist who accepts Medicare, giving you the freedom to choose your providers. This can be especially important for individuals who want more control over their healthcare decisions.

Top Flight Senior Solutions helps you evaluate the various Medigap plans available, ensuring that you select the one that best aligns with your healthcare needs and budget. We work with multiple insurance carriers to provide a range of options, helping you find the right coverage at the right price. With Medigap, you can focus on your health without worrying about high out-of-pocket costs, knowing that you have solid financial protection in place.