Why Medicare Supplement Is Still the Gold Standard for Coverage
When it comes to Medicare, understanding the difference between Medicare Supplement and Medicare Advantage is crucial — not just for your clients, but for your business as an agent.
Let’s break it down in simple terms:
The True “Secondary” Coverage
Medicare Supplement (Medigap) plans were designed and created by the government to fill in the gaps that Original Medicare leaves behind.
Here’s how it works:
- Medicare is the primary payer — it pays first.
- Medicare Supplement is the secondary payer — it steps in to cover the rest.
That means your clients are effectively double-covered — Medicare pays its share, and the supplement plan picks up the remaining costs.
This is a huge deal because, unlike Medicare Advantage (where private insurance companies take over responsibility for paying claims), Medicare Supplement doesn’t replace Medicare — it enhances it.
🩺 Medicare Supplement (Medigap) Plan Comparison
| Benefit / Feature | Plan F | Plan G | Plan N |
|---|---|---|---|
| Medicare Part A coinsurance & hospital costs (up to 365 days after Medicare benefits are used up) | ✅ 100% Covered | ✅ 100% Covered | ✅ 100% Covered |
| Medicare Part B coinsurance or copayment | ✅ 100% Covered | ✅ 100% Covered | ✅ Covered (You pay up to $20 for doctor visits and up to $50 for ER visits) |
| Blood (first 3 pints) | ✅ 100% Covered | ✅ 100% Covered | ✅ 100% Covered |
| Part A hospice care coinsurance or copayment | ✅ 100% Covered | ✅ 100% Covered | ✅ 100% Covered |
| Skilled nursing facility care coinsurance | ✅ 100% Covered | ✅ 100% Covered | ✅ 100% Covered |
| Medicare Part A deductible | ✅ 100% Covered | ✅ 100% Covered | ✅ 100% Covered |
| Medicare Part B deductible | ✅ 100% Covered | ❌ Not Covered | ❌ Not Covered |
| Foreign travel emergency (up to plan limits) | ✅ 80% | ✅ 80% | ✅ 80% |
| Medicare Part B excess charges | ✅ 100% Covered | ✅ 100% Covered | ✅ 100% Covered |
| Out-of-pocket limit | None | None | None |
| Monthly premium (generally) | 💰 Highest | 💰 Moderate | 💰 Lowest |
| Eligibility | Only for those eligible for Medicare before Jan 1, 2020 | Available to all Medicare beneficiaries | Available to all Medicare beneficiaries |
Plan Letters Explained
Every Medicare Supplement plan is identified by a letter — Plans F, G, N, and so on. Each lettered plan simply represents how much of the remaining out-of-pocket costs it covers after Medicare pays its portion.
- Some plans cover 100% of what Medicare leaves behind.
- Others cover nearly all of it.
But in general, Medicare Supplement is widely recognized as the best medical coverage money can buy.
This is why many Medicare beneficiaries — especially those frustrated by the limitations, referrals, and network rules of Medicare Advantage — are turning to Med Supp plans for true peace of mind.
Why Agents Love Medicare Supplement
For agents, the benefits are just as powerful:
✅ Level, stable commissions year after year
✅ No plan disruptions or sudden comp changes
✅ Higher retention with clients who stay for years
✅ Simpler, cleaner sales process
If you’re tired of the chaos of plan changes, or frustrated by this year’s surge in non-commissionable Advantage plans, Med Supp gives you back your control — and your peace of mind.
🔥 Limited-Time Medicare Supplement Awareness Month Promo 🔥
To help you grow your Medicare Supplement book this AEP, Lead Heroes is offering a limited-time promo you don’t want to miss:
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⚡ But hurry — inventory is limited, and once these discounted leads are gone, they’re gone for good.
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