Original Medicare covers a lot, but it does not cover everything. The gaps — copays, coinsurance, deductibles, and excess charges — can add up fast, especially during a hospital stay or a series of specialist visits.
Medicare Supplement plans (also called Medigap) are designed to fill those gaps. They work alongside your Original Medicare (Parts A & B) and give you predictable out-of-pocket costs so a single medical event does not turn into a financial surprise.
Alex helps you compare the most popular Medigap plans — Plan G, Plan N, and High Deductible Plan G — across multiple carriers to find the right balance of coverage, premium, and flexibility for your specific health situation and budget.
Every Medigap plan with the same letter provides the same benefits regardless of which insurance company sells it. So the difference comes down to carrier pricing, rate stability, and household discounts — details that are nearly impossible to compare on your own without knowing where to look.
As an independent broker, Alex is not locked into one carrier’s pricing. He compares Medigap rates across multiple companies and helps you understand how each carrier’s rate increase history could affect your premium over time — not just today’s number.
The Independent Review: A client turning 65 assumes all Plan G policies are the same and picks the cheapest premium they find online. After a conversation with Alex, they discover that the low-cost carrier has a history of aggressive annual rate increases, while a slightly higher-premium option from a different carrier has a more stable track record. The small difference in monthly cost now could mean hundreds saved over the next decade.
This is the kind of detail a Google search will not surface — but an independent broker will.