Plans & Coverage
Medicare Supplement (Medigap) Plans
Medicare Supplement (Medigap) works alongside Original Medicare to pay your share of costs — deductibles, copays, and coinsurance. Unlike Medicare Advantage, Medigap has no networks: you can see any provider in the U.S. that accepts Medicare. It does not include drug coverage, so most people pair it with a standalone Part D plan.
Popular plans
Plan G is the most comprehensive widely-available plan (you pay only the small Part B deductible). Plan N trades slightly lower premiums for small copays. We compare every standardized plan and carrier price in your area.
Medigap vs Medicare Advantage
Medigap = higher monthly premium, near-total freedom of providers, no drug coverage. Advantage = lower or $0 premium, networks and copays, usually includes drugs and extras. The right path depends on your health, travel, and budget.
Questions, answered
Can I switch to Medigap later?
You get a 6-month Medigap Open Enrollment Period when you first enroll in Part B at 65, with guaranteed acceptance. After that, switching may require health underwriting. We'll tell you your window.
Does Medigap cover prescriptions?
No. Medigap doesn't include drug coverage — you add a standalone Part D plan. We set both up together.
Talk to a local Sioux Falls advisor
Free, no pressure — we compare your options for you.