Top Medicare Supplement (Medigap) Plans for Seniors in 2025: Benefits, Prices & Companies
Posted in Uncategorized last updated on April 10, 2025🏡 Introduction: Why You’re in the Right Place
If you’re trying to figure out the best Medicare Supplement (Medigap) plans for 2025, you’ve come to the right place.
This guide was made just for you—to take the confusion out of Medicare and help you feel confident about your choices.
At Palmetto Mutual, we’ve sat down with thousands of seniors over the years, helping folks like you understand what’s covered and what’s not, and how to pick a plan that fits your needs and budget.
❤️ Whether you’re from Michigan, Virginia, Tennessee, North Carolina, South Carolina, or Ohio, your state is covered.
We know Medicare can feel overwhelming—with all the letters, rules, and prices floating around.
That’s why we’ve written this guide in plain English, with real examples, clear tips, and no confusing lingo.
💬 “I felt lost before I talked to someone from Palmetto Mutual.
Now I understand my plan—and I’m saving money every month.”
– Mary J., age 68, Florence, SC
So please grab a cup of coffee, get comfy, and let’s make this Medicare thing easier to understand.
📌 Bookmark this guide and share it with someone turning 65 this year.
They’ll thank you for it!
🩺 What Is a Medicare Supplement Plan (Medigap)?
Let’s keep this simple.
A Medicare Supplement Plan, or Medigap, is extra insurance that helps pay for what Original Medicare (Parts A and B) doesn’t cover, such as copayments, coinsurance, and deductibles.
Think of Medigap like this:
➡️ Medicare is your primary insurance.
➡️ Medigap fills in the “gaps” Medicare leaves behind.
How Does It Work?
Original Medicare helps with hospital and doctor bills, but doesn’t pay for everything.
That’s where Medigap comes in.
It “supplements” your Medicare, so you’re not stuck with surprise bills.
Here’s an example:
🧾 If Medicare pays 80% of your doctor bill, Medigap can help pay the other 20%.
Medigap vs. Medicare Advantage: What’s the Difference?
Many people get confused here, and that’s okay!
- Medigap works with Original Medicare (you keep Parts A & B).
- Medicare Advantage (Part C) is a replacement for Original Medicare.
Here’s a quick breakdown:
| Feature | Medigap | Medicare Advantage |
|---|---|---|
| Use any doctor who takes Medicare | ✅ Yes | 🚫 Usually no (has networks) |
| Referrals needed? | ❌ No | ✅ Often yes |
| Monthly premium | ✅ Usually higher | 💲 Sometimes lower |
| Out-of-pocket costs | 💵 Very predictable | 💰 Can vary a lot |
Why Seniors Love Medigap
Here are a few reasons many folks prefer Medigap:
- ✅ No networks – Go to any doctor or hospital in the U.S. that takes Medicare.
- ✅ Predictable costs – You’ll know what to expect every month.
- ✅ Freedom to travel – Great for snowbirds or those visiting grandkids across states.
It’s peace of mind, plain and simple. 😊
👥 Who Should Consider a Medicare Supplement Plan?
Medigap plans aren’t for everyone, but are the perfect fit for many seniors.
If any of the things below sound like you, a Medicare Supplement plan might be the right choice:
You Might Like Medigap If You:
- 🧳 Travel often or live in multiple states (like snowbirds).
- 🏥 See specialists and want the freedom to choose your doctors.
- 💵 Want predictable healthcare costs—no surprise bills.
- 🧘♂️ Value peace of mind knowing most of your medical expenses are covered.
Real-World Example
Let’s say you’re retired in Charlotte, NC, or Columbia, SC, and every winter, you head to Florida to escape the cold. ❄️☀️
You might be stuck with a local network if you have a Medicare Advantage plan.
That means you’d have to find new doctors in Florida—or pay out-of-network fees.
But with a Medigap plan?
You can go to any doctor or hospital in the U.S. that accepts Medicare.
That kind of freedom makes a big difference when you’re on the move.
💬 “I didn’t want to worry about switching doctors every time I traveled. Medigap gave me peace of mind.”
– Robert T., age 70, Columbia, SC
🏆 The Best Medicare Supplement Plans in 2025
There are several Medigap plans available, but three stand out in 2025.
Most seniors choose these plans because they offer value, coverage, and peace of mind.
Let’s break them down one by one 👇
🥇 Plan G – The Most Comprehensive
Plan G is the most popular Medigap plan for a reason.
It covers nearly everything Medicare doesn’t, except for the small Part B deductible ($240 in 2024 and may change slightly in 2025).
Why seniors love Plan G:
- ✅ Pays for hospital stays, surgeries, and skilled nursing.
- ✅ Covers doctor visits, lab work, and outpatient care.
- ✅ No copays or coinsurance after your deductible is met.
🧘 Perfect for: Seniors who want “set it and forget it” coverage and don’t want to deal with bills after a doctor’s visit.
💸 High-Deductible Plan G – For Budget-Conscious Seniors
This version of Plan G gives you the same great coverage, but with a lower monthly premium.
The catch?
You’ll need to pay a deductible first—just over $2,800 (based on 2024 numbers).
Why it works for many seniors:
- ✅ Lower monthly cost
- ✅ Full protection after the deductible is met
- ✅ Great for healthy seniors who rarely go to the doctor
📌 Good fit for: Seniors who want solid backup protection without paying a high monthly premium.
😊 Plan N – For Healthy Seniors Who Want to Save
Plan N is another affordable choice, but it works a little differently:
- ✅ Lower monthly premiums than Plan G
- 💲 You’ll pay a small copay (around $20) for doctor visits
- 💊 You’ll pay a bit more if you visit the ER without being admitted
- ❗ Doesn’t cover Part B excess charges (rare, but possible)
Plan N works best if:
- You’re in good health
- You don’t visit the doctor too often
- You’re okay with small out-of-pocket costs in exchange for a lower monthly premium
💬 “Plan N made sense for me. I’m healthy, and I liked saving money each month.”
– Linda S., age 67, Knoxville, TN
Each plan has pros and cons; the best depends on your health, travel habits, and budget.
💵 Medicare Supplement Costs in 2025: What to Expect
Let’s talk about the part everyone wonders about—how much does a Medicare Supplement plan cost in 2025?
The truth is, prices can vary depending on your age, where you live, and which plan you choose.
But don’t worry—we’ll break it down step by step.
📊 Average Monthly Premiums (National Range)
Here’s a general idea of what people across the country are paying:
- Plan G: $120 to $180 per month
- High-Deductible Plan G: $35 to $65 per month
- Plan N: $90 to $140 per month
📌 Prices go up as you get older.
Rates are often lower at age 65 and increase with age, especially in some pricing models.
🏙️ Real-Life Pricing Examples (2025 Estimates)
Let’s look at sample quotes for a 65-year-old non-smoker, just starting Medicare:
- Richmond, VA:
- Plan G: around $145/month
- Plan N: about $105/month
- Nashville, TN:
- Plan G: around $135/month
- High-Deductible G: as low as $45/month
- Columbus, OH:
- Plan G: about $140/month
- Plan N: closer to $110/month
- Raleigh, NC:
- Plan G: around $150/month
- Plan N: roughly $115/month
🧠 Tip: Prices can also vary depending on whether you’re male or female, your tobacco use, and the insurance company.
🧮 How Medigap Pricing Works
Insurance companies use three different pricing methods.
Here’s what they mean:
1. Community-Rated
- Everyone pays the same rate, no matter their age.
- Suitable for long-term savings.
- Rates may still go up due to inflation.
2. Issue-Age Rated
- Your rate is based on the age when you first buy the plan.
- The younger you are when you enroll, the lower your rate stays.
- It doesn’t increase just because you age.
3. Attained-Age Rated
- Your rate is based on your current age and increases as you age.
- It usually starts at a lower price but increases over time.
💬 “I picked an issue-age plan at 65, and I’m glad I locked in a lower price early on.”
– Harold M., age 73, Columbus, OH
💡 Not sure what type of plan your plan uses?
That’s okay.
When you speak with someone at Palmetto Mutual, we’ll help you compare pricing methods so you know what to expect now and in the future.
🏢 Top Medicare Supplement Insurance Companies in 2025
Not all Medicare Supplement companies are the same.
Some have lower prices, others offer extra perks, and some are easy to work with.
Below are some of the top companies in 2025, including ones popular in Greenville, SC, and Detroit, MI.
Let’s take a closer look 👇
🦁 Mutual of Omaha
One of the most trusted names in Medicare.
✅ Pros:
- Competitive prices for Plan G and Plan N
- Great customer service
- Quick claims processing
❌ Cons:
- Rates may rise slightly faster over time
Popular Plans: Plan G, Plan N, High-Deductible Plan G
📍 Very strong in Greenville, SC, and many parts of the South.
🏥 Aetna / Accendo (part of CVS Health)
Big, reliable company with strong financial backing.
✅ Pros:
- Often one of the lowest prices in many states
- Household discounts available
- Backed by CVS Health
❌ Cons:
- Not available in every zip code
Popular Plans: Plan G, Plan N, High-Deductible G
📍 Very competitive in Detroit, MI, and the Carolinas.
👵 UnitedHealthcare (through AARP)
A trusted name for many seniors thanks to AARP’s reputation.
✅ Pros:
- Great name recognition
- Large network of support
- Stable rates in some areas
❌ Cons:
- Maybe more expensive than competitors
- AARP membership required
Popular Plans: Plan G, Plan N
📍 Widely used in both Greenville, SC, and Detroit, MI.
🐥 Aflac
Known for supplemental policies, now offering Medigap in more states.
✅ Pros:
- Trusted brand
- May provide additional wellness perks
- Expanding rapidly
❌ Cons:
- Limited availability (still rolling out in some areas)
Popular Plans: Plan G, Plan N
📍 Available in select parts of Michigan and the Southeast.
💚 Humana
Well-known Medicare provider, more focused on Advantage plans but does offer Medigap.
✅ Pros:
- Name recognition
- Offers other senior benefits like vision/dental bundles
❌ Cons:
- Fewer Medigap options in some areas
- May focus more on Part C plans
Popular Plans: Plan G
📍 More common in urban areas like Raleigh, NC, and Columbus, OH.
🏡 Wellabe (formerly known as Great Western)
A newer player that’s making waves in the Medigap market.
✅ Pros:
- Simple, no-frills coverage
- Friendly support team
- May accept applicants with some health conditions
❌ Cons:
- Not as well known (yet)
- Fewer plan options in some states
Popular Plans: Plan G, Plan N
📍 Growing fast in North Carolina and Virginia.
💬 “It’s not just about the company name—it’s about the price, the coverage, and how well they treat you.”
— Darlene W., age 70, Greenville, SC
Every company has strengths, and choosing the right one can save you hundreds yearly.
At Palmetto Mutual, we help compare these companies side by side to see which offers the best plan in your area.
📞 Want help picking the right company?
Reach out—we’ll make it easy.
📅 When to Enroll in a Medigap Plan
Timing matters when it comes to Medigap.
Picking the right time to enroll can save you money and help you avoid health questions or rejections.
Let’s make this easy to understand 👇
🕰️ Medigap Open Enrollment Period (Best Time to Enroll)
Your Medigap Open Enrollment Period is a six-month window that begins the month you turn 65 and enroll in Medicare Part B.
During this time:
- ✅ You can get any Medigap plan offered in your state
- ✅ No medical questions
- ✅ You can’t be denied coverage
🧠 Think of this window as your “golden ticket” to guaranteed approval, even if you have health conditions.
🛡️ What Are Guaranteed Issue Rights?
These are special protections that allow you to get Medigap without health questions outside your open enrollment—but only in certain situations, like:
- You’re losing group coverage after retirement
- Your Medicare Advantage plan is ending or no longer available
- You’re leaving a plan due to misleading info
📌 In these cases, insurance companies must sell you a Medigap plan—even if you have health issues.
❗ What If You Miss Your Enrollment Window?
After your open enrollment or if you don’t have guaranteed rights:
- You may have to answer health questions
- You could be denied coverage or charged more
- Some companies may ask about things like cancer, heart disease, or recent hospital stays
But don’t worry—some carriers are more lenient than others.
At Palmetto Mutual, we help you find the companies that are more forgiving with health history.
🔁 Special Rules for Certain Situations
You might have different rules if:
- 📆 You retire after age 65 – Your Medigap Open Enrollment starts once you activate Part B (not your birthday)
- 🧾 You’re losing employer or union coverage
- 💙 You have Medicaid and are switching to Medicare-only coverage
Each of these cases has their own timeframes and protections.
We help you understand exactly where you fall.
🎂 What’s the “Birthday Rule”?
Some states—like California, Oregon, and a few others—have a birthday rule.
It lets you switch Medigap plans without health questions around your yearly birthday.
That means:
- 🎉 You can shop for a better rate or company
- 🛡️ As long as the new plan has equal or lesser coverage
Sadly, not every state has this rule, but we stay current on which ones do and help you take advantage of it.
💬 “I missed my open enrollment and thought I was stuck. Palmetto Mutual found a company that still accepted me, with no extra cost.”
– Shirley H., age 68, Raleigh, NC
📞 Want to make sure you enroll at the right time?
Reach out to Palmetto Mutual—we’ll walk you through it step by step.
⚖️ The Difference Between Medigap and Medicare Advantage
When it comes to Medicare, many folks get stuck choosing between Medigap and Medicare Advantage (Part C).
The two options work very differently, and the best choice depends on your lifestyle, health, and budget.
Let’s break it down in simple terms. 👇
🩺 What Is Medigap?
We’ve already talked about Medigap—it works with Original Medicare to fill in the “gaps” that Parts A and B don’t cover.
That includes things like:
- Copayments
- Coinsurance
- Deductibles
You can go to any doctor or hospital in the U.S. that accepts Medicare—no networks, no referrals.
🌐 What Is Medicare Advantage?
Medicare Advantage plans replace Original Medicare.
They’re offered by private insurance companies and often include:
- Low or $0 premiums
- Drug coverage (Part D)
- Extras like dental, vision, and gym memberships
BUT… you usually have to stay in-network, and out-of-pocket costs can add up if you need a lot of care.
🔍 Side-by-Side Comparison
| Feature | Medigap | Medicare Advantage |
|---|---|---|
| Use any Medicare doctor | ✅ Yes | 🚫 No (network only) |
| Travel flexibility | 🧳 Great for travelers | ❌ Limited to local area |
| Monthly premium | 💵 Higher | 💲 Lower or $0 |
| Out-of-pocket costs | 🧘 Very predictable | 💰 Varies by usage |
| Extras (dental, vision) | ❌ Usually not included | ✅ Often included |
| Referrals required? | ❌ No | ✅ Sometimes yes |
🧳 Why Some Seniors Prefer Medigap
- Travel often (snowbirds, RVers, visiting grandkids)
- See specialists or have chronic health needs
- Don’t want to worry about networks or referrals
💬 “I live in Myrtle Beach, SC but spend winters in Florida. Medigap means I never have to switch doctors.”
– Frank R., age 72
💲 Why Others Choose Medicare Advantage
- Want to save money each month
- Don’t mind using a network of doctors
- Want extras like dental and vision included
💬 “I’m healthy and live in Wilmington, NC. My Advantage plan has no premium and covers my dental cleanings too.”
– Barbara L., age 67
There’s no one-size-fits-all answer.
That’s why Palmetto Mutual helps you compare both options side by side. We look at:
- 📍 Where you live
- ❤️ Your health needs
- 💰 Your budget
…and help you choose what works best for you.
📞 Still not sure which path is better?
Let’s chat—we’ll help you decide with zero pressure.
❤️ Coverage for Pre-Existing Conditions
Many seniors worry about whether they can get a Medicare Supplement plan if they have health issues.
It’s a common question, and the answer depends on when you apply and where you live.
Let’s walk through it together. 👇
🩺 How Underwriting Works
If you apply for a Medigap plan outside your Open Enrollment Period (or don’t qualify for guaranteed issue), you may have to go through underwriting.
That means the insurance company can:
- Ask about your health history
- Look at medications you take
- Decide whether to accept or deny your application
- Possibly charge more based on your condition
🧠 Important: You won’t face underwriting if you apply during your 6-month Medigap Open Enrollment window or if you qualify for a guaranteed issue situation.
🌟 Companies with Lenient Underwriting
Some companies are more flexible than others.
If you have common conditions like high blood pressure, diabetes, or even a history of cancer (if it’s been a few years), some carriers will still approve you.
Here are a few companies known for easier underwriting in 2025:
- ✅ Aetna / Accendo – Great for folks with mild conditions or past surgeries
- ✅ Mutual of Omaha – May accept certain heart or diabetes histories
- ✅ Wellabe – Known to review each case more personally
💬 “I thought I’d be declined because of my heart meds, but Palmetto Mutual found a company that said yes.”
– James H., age 71, Greenville, SC
🗺️ States with Special Rules
Some states have extra protections or special rules that make it easier to get coverage, even if you have health issues.
- Michigan – Has strong guaranteed issue rights, especially for those losing other coverage
- New York & Connecticut – Offer year-round guaranteed issue (you can apply any time without health questions)
- California & Oregon – Have the “birthday rule” that lets you switch Medigap plans without underwriting once a year
- Missouri – Has an anniversary rule for similar protections
📍 If you live in a state like Michigan, you may have more flexibility than someone in a stricter state like North Carolina or South Carolina.
💡 Not sure if your condition will be a problem?
At Palmetto Mutual, we know the underwriting guidelines for each company and can match you with the ones most likely to say yes.
📞 Dealing with a pre-existing condition?
Let’s find a plan that fits—without the guesswork.
💊 Do Medicare Supplement Plans Cover Prescription Drugs?
This is a question we get all the time—and the answer is important:
👉 No, Medicare Supplement (Medigap) plans do NOT cover prescription drugs.
If you want drug coverage, you’ll need to enroll in a separate plan called Medicare Part D.
🧾 What Is Medicare Part D?
Medicare Part D is a standalone drug plan that helps cover the cost of:
- Prescription medications
- Vaccines
- Insulin and supplies
- Brand-name and generic drugs
You can enroll in a Part D plan through a private insurance company.
Most seniors pair Part D with their Medigap plan to get complete coverage.
🧠 Tips for Choosing the Right Part D Plan
When picking a Part D plan, here are a few helpful things to look for:
- 💊 Check your medications – Make sure your prescriptions are covered (use the plan’s “formulary” list).
- 🏥 Pick a nearby pharmacy – Some plans work best with specific pharmacy chains.
- 💰 Watch for the deductible – Some plans have a yearly deductible, while others don’t.
- 🔍 Look at copays – Even if the plan is cheap, copays for your meds might be high.
💬 “Palmetto Mutual helped me find a Part D plan that covered all my meds at my local pharmacy.
I didn’t have to lift a finger.”
– Gloria F., age 66, Wilmington, NC
📝 Important: If you don’t sign up for a Part D plan when you’re first eligible, you might face a late enrollment penalty later.
Even if you don’t take many meds now, getting a low-cost plan is smart to avoid penalties.
📞 Need help finding the best Part D plan to go with your Medigap coverage?
We compare every plan in your area—at no cost.
😁 Does Medigap Cover Dental, Vision, or Hearing?
This surprises a lot of folks, but the answer is:
👉 No, Medicare Supplement (Medigap) plans do NOT cover dental, vision, or hearing care.
That means things like:
- 🦷 Routine dental cleanings, dentures, or fillings
- 👓 Eye exams and glasses
- 👂 Hearing tests and hearing aids
…aren’t included in your Medigap plan.
🧩 What Can You Do Instead?
Many seniors add a separate DVH plan for Dental, Vision, and Hearing.
These plans are designed to be simple and affordable, filling in the gaps Medigap doesn’t cover.
✅ DVH Plans Can Cover:
- Cleanings, X-rays, and extractions
- Eye exams and new glasses every year
- Hearing aids and fittings
- Some even include coverage the same day you sign up
💬 “I bundled my dental and vision plan with my Medigap. Now I don’t have to worry about missing checkups or paying out of pocket.”
– Charles M., age 69, Columbia, SC
🧡 How Palmetto Mutual Helps
At Palmetto Mutual, we easily bundle your Medigap plan with the right DVH coverage.
We’ll show you:
- 💲 Plans that fit your budget
- 🦷 Options with no waiting periods
- 📍 Local dentists, eye doctors, and hearing providers that accept the plan
No need to hunt around—we bring all the choices to you in a straightforward comparison.
📞 Want to add dental, vision, and hearing coverage to your Medicare plan?
Give us a call.
We’ll help you bundle everything and keep it affordable.
🗺️ The Most Senior-Friendly States for Medigap Plans
Some states are better for Medigap than others.
Whether it’s lower prices, extra protections, or fewer health questions, seniors in certain states have a real advantage.
Let’s examine why people in North Carolina, South Carolina, Ohio, and Michigan often choose Medigap and how the rules in these states help.
🌳 North Carolina
North Carolina is an excellent place for Medigap:
- ✅ Competitive pricing, especially for Plan G and Plan N
- 👫 Many companies offer household discounts (even for roommates!)
- 🏥 Excellent access to providers who accept Medicare
- ❗ Some underwriting applies if you miss your enrollment window, so timing matters
📍 Cities like Raleigh, Charlotte, and Wilmington have plenty of Medigap-friendly carriers and great access to care.
🌴 South Carolina
South Carolina is similar to NC—but with a few differences:
- ✅ Strong Medigap presence, especially in rural counties where Advantage networks are limited
- 📉 Stable rates from companies like Mutual of Omaha and Accendo
- 👫 Household discounts widely available
- ❗ Underwriting rules still apply outside open enrollment, but we can help navigate them
💬 “I live in Marion County, and Medigap lets me see any doctor without worrying about networks.”
– Bernice J., age 72
🌰 Ohio
Ohio is one of the most Medigap-friendly states in the country:
- 🔒 Stringent rules on rate increases, which help with long-term affordability
- 🏷️ Many carriers offer generous household discounts
- 📝 Underwriting is standard, but some carriers are more lenient than others
- 🚑 Seniors with higher medical needs often choose Medigap for its predictability
📍 Columbus, Cleveland, and Cincinnati are packed with Medigap options.
🧊 Michigan
Michigan stands out with strong protections for seniors:
- 🛡️ Many situations qualify for guaranteed issue, even outside the open enrollment window
- 🧾 Loss of group coverage? You may still get Medigap without health questions
- 👫 Household discounts are common
- 💬 Great for seniors retiring after age 65 or switching from Medicaid
💬 “Even though I retired late, Michigan’s rules let me get a Medigap plan with no hassle.”
– Howard S., age 68, Detroit, MI
💡 Every state is different, and the best plan depends on where you live.
At Palmetto Mutual, we know the rules in every state we serve—and we’ll help you take advantage of every discount and protection available.
📞 Want to see what your state offers? Give us a call, and we can take a look together.
🧭 How to Choose the Right Plan for YOU
There’s no “one-size-fits-all” when it comes to Medicare Supplement plans.
The best plan depends on your lifestyle, health, and wallet.
Here are a few key things to think about:
🧠 Important Factors to Consider:
- 💵 Your budget – Can you afford a higher premium for peace of mind?
- ❤️ Your health – Do you see doctors often or have a chronic condition?
- 🧳 Travel habits – Do you spend time in more than one state?
- 🩺 Doctor access – Want the freedom to pick any provider?
Now let’s look at how this plays out in real life…
🏃 ACTIVE SENIOR IN GREENSBORO, NC
Name: Carol, age 66
Lifestyle: Walks every day, travels to see her grandkids, rarely visits the doctor.
Best Fit: High-Deductible Plan G or Plan N
- Low monthly premium
- Covers big surprises, but keeps monthly costs down
- Great for someone healthy and active
💬 “I’d rather pay a small copay once in a while than a high premium every month.”
🎖️ VETERAN IN CLEVELAND, OH
Name: George, age 70
Lifestyle: Uses the VA for most medical care but wants backup coverage.
Best Fit: High-Deductible Plan G
- Covers him when he’s outside the VA system
- Very affordable monthly cost
- Doesn’t duplicate his VA benefits, just supplements
💬 “I like having extra coverage when I travel—but I don’t want to pay for something I already get through the VA.”
💉 DIABETIC SENIOR IN CHARLESTON, SC
Name: Helen, age 73
Lifestyle: Sees her primary doctor and a specialist every few months.
Best Fit: Standard Plan G
- Predictable costs with no surprises
- No network restrictions—she can keep her doctors
- Helps cover her ongoing care needs
💬 “My health is stable, but I need regular care. I want peace of mind without worrying about what’s covered.”
At Palmetto Mutual, we’ll walk you through this step by step so you can find the plan that fits you.
📞 Let’s talk about your needs, and we’ll help you make the wise choice.
❓ Frequently Asked Questions About Medigap in 2025
We’ve helped thousands of seniors navigate Medigap, and some questions come up repeatedly.
Here are clear answers to the ones we hear the most:
🔄 Can I switch Medigap plans later?
Yes—but you may have to answer health questions if you’re outside your Open Enrollment Period or don’t have guaranteed issue rights.
Some states (like California and Oregon) have a “birthday rule” that lets you switch plans once a year without underwriting, but most states don’t.
💡 Tip: If you’re healthy, switching is often easier. If not, we’ll help you find a company with lenient underwriting.
🧓 Is Plan F gone?
Plan F is no longer available to people who became eligible for Medicare after January 1, 2020.
If you were eligible before that date—even if you didn’t enroll—you may still qualify for Plan F.
But honestly?
Plan G is now the most popular plan and often a better value.
⏳ What if I miss Open Enrollment?
If you miss your 6-month Medigap Open Enrollment window:
- You may have to go through underwriting
- You could be denied or charged more based on your health
- BUT there are exceptions—like losing employer coverage or a Medicare Advantage plan ending
📍 Some states like Michigan offer stronger protections that might help even after open enrollment.
💙 Does Medigap work with Medicaid?
No.
You usually don’t need a Medigap plan if you qualify for Medicaid.
Medicaid already helps cover many out-of-pocket Medicare costs.
You can’t have both Medigap and Medicaid simultaneously.
💡 If your income changes and you lose Medicaid, we can help you get the right coverage to fill in the gaps.
📞 Still have questions?
You don’t have to figure this out on your own.
Palmetto Mutual is here to help—just a phone call away.
🗺️ Infographic Recap: How Medigap Works
🧭 Your Simple Medicare Supplement Roadmap
➡️ Step 1: Enroll in Medicare Part A & Part B
This is your foundation.
Covers hospital (Part A) and medical services (Part B).
⬇️
➡️ Step 2: Choose a Medigap Plan
Pick a plan like Plan G, Plan N, or High-Deductible G to cover what Medicare doesn’t—like deductibles, coinsurance, and copays.
⬇️
➡️ Step 3: Add a Part D Drug Plan
Since Medigap doesn’t cover prescriptions, you’ll need a standalone Part D plan to cover your medications.
⬇️
🎉 You’re Covered!
You now have a full setup that includes:
- Hospital coverage
- Doctor visits
- Medications
- Predictable out-of-pocket costs
- Nationwide freedom to choose providers
🖼️ Want a printable version of this Medigap roadmap?
Contact Palmetto Mutual and we’ll send one to your home—for free!
📞 Call today for help with every step—from choosing a plan to enrolling in Part D.
🏡 Why Choose Palmetto Mutual to Help with Your Medigap Plan
Choosing the right Medicare Supplement plan isn’t just about picking a letter—it’s about choosing peace of mind.
That’s where Palmetto Mutual comes in.
We’re not a call center.
We’re not a confusing website.
We’re real people helping real seniors—just like you.
💼 What Makes Us Different?
- ✅ Local expertise in North Carolina, South Carolina, Virginia, Tennessee, Ohio, and Michigan
- ✅ Licensed agents who have helped thousands of seniors across the Carolinas and beyond
- ✅ No spammy sales calls—just real, honest advice
- ✅ We take the time to explain everything in plain English, with no pressure and no gimmicks
- ✅ In-person, phone, or video appointments—whatever works best for you!
💬 “Palmetto Mutual made the whole process so easy. I felt heard, understood, and never rushed.”
– Joyce R., age 68, Wilmington, NC
📞 Schedule your free Medicare consultation with Palmetto Mutual today.
We’ll help you:
- Compare top-rated companies
- Find the right plan for your needs and budget
- Add the extras like dental, vision, or drug coverage
- Avoid costly mistakes and penalties
✅ Call now or click below to book your free consultation.
Let’s make Medicare simple—together.
🤝 Conclusion: Let’s Make Medicare Simple Together
If Medicare has felt confusing or overwhelming, you’re not alone.
Every year, millions of seniors like you face the same questions about coverage, costs, and where to start.
But here’s the good news:
👉 You don’t have to figure it out by yourself.
This guide gave you everything you need to make a wise, confident decision about Medicare Supplement (Medigap) plans in 2025:
- ✅ What Medigap is and how it works
- ✅ The top plans and what they cover
- ✅ Costs, enrollment rules, and state-specific tips
- ✅ How to find the right plan for your life
At Palmetto Mutual, we’re here to help you through every step—no pressure, no confusion, just friendly help from people who care.
📞 Call us, schedule a free consultation, or click below for a quick quote.
Let’s make Medicare simple—together.
