6 Most Frequently Asked Questions About Medicare Supplements
Straightforward answers for real people.
May River Medicare is your trusted partner for understanding Medigap plans, pricing, enrollment, and support—nationwide.
No sales pressure. No fine print. Just the facts.
May River Medicare is your trusted partner for understanding Medigap plans, pricing, enrollment, and support—nationwide.
No sales pressure. No fine print. Just the facts.
1. What is a Medicare Supplement (Medigap) plan?
A Medicare Supplement (Medigap) plan is private insurance that helps pay costs not covered by Original Medicare Parts A & B—such as deductibles, copays, and coinsurance. There are several standard plans, each with different coverage options, but all
plans let you see any doctor nationwide who accepts Medicare.
2. Can I enroll in a Medigap plan at any time?
You can apply for a Medigap plan at any time, but the best time is during your one-time “Medigap Open Enrollment Period.” This window begins when you’re both 65 (or older) and enrolled in Medicare Part B. During this time, you can enroll in any plan with
no medical questions asked and are guaranteed acceptance.
3. What are the differences between Plan G and Plan N?
Plan G covers nearly all out-of-pocket costs except the small annual Part B deductible, with no copays for office or ER visits.
Plan N has a lower monthly premium, but you pay small copays for doctor visits and ER, and excess charges aren’t covered.
See our full Plan G vs. Plan N comparison
Plan N has a lower monthly premium, but you pay small copays for doctor visits and ER, and excess charges aren’t covered.
See our full Plan G vs. Plan N comparison
4. Do Medigap plans include prescription drug coverage?
No, Medigap plans do not cover prescription drugs. You’ll need to enroll in a separate Medicare Part D plan for your prescriptions. May River Medicare will help you compare and select the right plan.
5. How do Medigap premiums work? Do rates increase?
Premiums are paid monthly and vary by plan, company, location, age, and sometimes health. Rates can increase over time based on inflation, age, and company pricing. We help you shop stable, competitively priced plans.
6. What makes May River Medicare different?
Our team offers personalized guidance—not just a sales pitch. We provide unbiased, transparent information; instant price comparisons; and ongoing service after you enroll. We help you understand your choices and avoid costly mistakes.
Why Choose May River Medicare?
- Licensed, local advisors who answer every question—no pressure, just honest help.
- Personalized plan comparisons using your ZIP code, doctors, and prescription needs.
- Access to every major carrier—we’re independent, so we work for you, not the insurance companies.
- Annual reviews and support—our service doesn’t end after you enroll. We’re here for you every year, not just the first.
- Exclusive mobile app for quotes, coverage, and support on the go.
- Quick answers and real results—call, click, or schedule an appointment and we’ll do the rest.
Still have questions? Our licensed advisors will walk you through every step.
Book a Free Consultation See All FAQs (843) 227-6725 Download Our App
Book a Free Consultation See All FAQs (843) 227-6725 Download Our App
Watch the Video Below to Learn about the 6 MostFrequently Asked Questions About Medicare Supplements
The chart below shows basic information about the different benefits Medigap policies cover.
= the plan covers 100% of this benefit
X
= the plan doesn’t cover this benefit
% = the plan covers that percentage of this benefit and you’re responsible for the rest
N/A = not applicable
The Medigap policy will only pay your coinsurance after you’ve paid the deductible (unless the Medigap policy also covers your deductible).
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