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Medicare Supplements

Medicare Supplement plans with clear guidance.

Medicare Supplement plans, also called Medigap, help pay certain out-of-pocket costs that Original Medicare does not fully cover. They work alongside Original Medicare, not in place of it. We help you compare options and understand which may fit your situation.

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Standardized plans meanSame benefitsacross carriers, so we can compare on price alone.

Medicare Supplements

What Medicare Supplement plans may include

Medicare Supplement plans help cover costs Original Medicare leaves behind. Coverage varies by plan, but may include Part A and Part B coinsurance, hospital costs after Medicare benefits are used, and more.

Medicare Part A coinsurance
Medicare Part B coinsurance or copayments
Hospital costs after Medicare benefits are used
Part A hospice care coinsurance or copayments
Skilled nursing facility care coinsurance, depending on the plan
Medicare Part A deductible, depending on the plan
Medicare Part B deductible for certain eligible plans no longer available to newly eligible beneficiaries
Medicare Part B excess charges, depending on the plan
Blood, usually the first three pints, depending on the plan
Foreign travel emergency coverage, depending on the plan

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The Essentials

Important points to understand

Works with Original Medicare

A client generally must have Medicare Part A and Part B. Medicare pays first, then the Supplement plan helps pay its share.

Separate drug coverage

Supplement plans do not usually include prescription drug coverage, so clients may need a separate Part D plan.

No dental, vision, or hearing

These plans do not usually include dental, vision, or hearing benefits, so additional coverage can fill those gaps.

Standardized but priced differently

Plans are standardized in most states, but prices vary by carrier, age, location, tobacco use, and household discounts.

Enrollment timing matters

Medical underwriting may apply outside certain enrollment periods, so timing can affect eligibility and cost.

Is It Right for You?

Why someone may choose a Medicare Supplement plan

They want more predictable medical costs.
They want flexibility to see providers who accept Medicare.
They travel often within the United States.
They prefer Original Medicare with additional cost protection.
They want less concern about network restrictions.
They are willing to pay a monthly premium for added peace of mind.

Our Role

How Tessellane helps

We explain how Medicare Supplement plans work.
We compare available plan options.
We help review monthly premiums.
We explain what each plan may help cover.
We discuss whether a separate Part D plan may be needed.
We help clients understand enrollment timing.
We provide support before and after enrollment.

Common Questions

Supplement questions, answered

Still unsure? A licensed Tessellane agent will walk you through it, no cost and no pressure.

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Advantage or Supplement: which is better?

Neither is universally better. Supplements cost more monthly but offer broad access and predictable bills; Advantage costs less but uses networks. We help you weigh the trade-off for your life.

Do supplements cover prescriptions?

No. Medigap does not include drug coverage, so you would add a standalone Part D plan. We set both up together so nothing falls through the cracks.

Why do prices differ for the same plan?

Plan G from one carrier covers the same things as Plan G from another, only the price and service differ. That is exactly why carrier-neutral comparison saves you money.