Medicare Supplement Plans Explained—Coverage That Complements Original Medicare
Medicare Supplement Plans—often called Medigap—help pay for the out-of-pocket costs that Original Medicare doesn’t cover, like deductibles, copays, and coinsurance.
At Integrity Financial Solutions Group, based in Gilbert, Arizona, we help you compare Medigap options, understand how they pair with Medicare Parts A and B, and select a plan that keeps your costs predictable and your care flexible.
Live in Arizona and want to see which Medigap plan fits you best? Start with our consultation form.
What Do Medicare Supplement Plans Cover?
Medicare Supplement Plans are designed to work with Original Medicare—not replace it. These plans help cover:
- Part A and Part B deductibles
- Coinsurance for hospital and outpatient services
- Copayments for doctor visits and procedures
- Extended hospital stays
- Some emergency medical care while traveling abroad
If you’re in Gilbert or Maricopa County, we’ll help you compare plan types (like Plan G or Plan N) and make sure you’re getting the right balance of coverage and value.
Want help reviewing your Medigap options?
Let’s talk.
How Much Do Medicare Supplement Plans Cost in Arizona?
Medigap plans have a monthly premium in addition to your Medicare Part B premium. Costs vary based on:
- The plan type you choose (Plan G, N, etc.)
- Your age and ZIP code
- When you enroll
- The insurance company offering the plan
We’ll show you side-by-side pricing and help you compare coverage—not just premiums—to find a plan that fits your needs long-term.
Wondering what a Medigap plan would cost you in Arizona?
Schedule a no-cost consultation.
When Should You Enroll in a Medigap Plan?
The best time to enroll in a Medicare Supplement Plan is during your Medigap Open Enrollment Period, which begins the month you’re both:
- 65 or older, and
- Enrolled in Medicare Part B
During this time, you have guaranteed issue rights, meaning insurance companies cannot deny you coverage or charge more based on health conditions.
If you’ve missed this window, we’ll still help you understand your options and any potential underwriting requirements.
Not sure if you’re eligible for Medigap?
Contact us for help.
What Medicare Supplement Plans Don’t Cover
Medigap plans are powerful tools for filling coverage gaps—but they don’t cover everything. You’ll still need separate coverage for:
- Prescription drugs (get a standalone Part D plan)
- Routine dental, vision, or hearing care
- Long-term custodial care
- Most over-the-counter medications
We’ll help you fill these remaining gaps with other affordable, coordinated solutions.
How Medigap Works With the Rest of Medicare
When you pair a Medigap plan with Original Medicare, here’s how it works:
- You get care from any provider who accepts Medicare—no networks or referrals
- Medicare pays its share of approved costs
- Your Medigap plan pays its share, based on your plan type
- You’re responsible only for what’s left (if anything)
Many Arizona retirees choose Medigap for the flexibility to see any doctor, anywhere Medicare is accepted.
Want to know if Medigap or Medicare Advantage is better for your needs? We’ll help you start here.
Contact us today!
Why Work With Integrity Financial Solutions Group?
We’re an independent Medicare team based in Arizona, offering unbiased support and personal service for Arizona and nationwide retirees.
We help you compare every major Medigap plan available in your area
We take time to understand your health, travel habits, and financial goals
We make the process clear and comfortable—without the pressure
Looking for straightforward Medigap guidance in Arizona? Start with our consultation form.
Frequently Asked Questions About Medicare Supplement Plans
Do I need a Medigap plan if I have Medicare?
If you want help paying Medicare’s out-of-pocket costs, a Supplement Plan may be a great fit. We’ll help you compare all your options.
Can I be denied Medigap coverage?
Not during your Medigap Open Enrollment Period. After that, some plans may require medical underwriting. We’ll help you understand your rights and timing.
Do I need Part D if I have Medigap?
Yes. Medigap plans do not include prescription drug coverage, so you’ll need to enroll in a standalone Part D plan separately.
Can I travel with a Medigap plan?
Yes—many plans include foreign travel emergency coverage, and all let you see any provider in the U.S. who accepts Medicare.
