Take the worry out of Medicare With A Medicare Supplement

Peace of Mind

Medigap plans help you avoid unexpected out-of-pocket medical costs. This secondary layer of protection covers what a Original Medicare does not.

Set for Life

A Medigap policy is guaranteed renewable. This means that your coverage will continue year after year as long as you pay your premium, regardless or your health.

Tailored Coverage

Medigap plans are lettered A-N, each providing coverage for the various "gaps" in Medicare. You choose which coverage is best for your healthcare needs.

Don't let medical expenses distroy your retirement

Medicare Supplemental insurance can protect your nest egg from the rising costs of medical care, providing you peace of mind.

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Benefits of a Medicare Supplement

Stories and information to help you plan, prepare and protect what matters most.

Choose Your Doctors

No networks, freedom to choose your own doctors and hospitals.

Know Your Costs

Avoid unexpected out-of-pocket medical costs throughout the year

No Referrals

See specialists without getting a required referral

Guaranteed Renewable

You can never be dropped due to a health condition

Find Your Perfect Medicare Plan in 3 Simple Steps

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Carla NC

Appreciate working with someone knowledgeable in his field. Agent was personable. More importantly he was well versed in the insurance field and able to advise on options available to me. Overall, very efficient. So grateful for the help.

Barbara IL

My agent was very knowledgeable and courteous. He explained the whole process to me and made answered all of my questions.

Jessica NH

My mother recently turned 65 and the agents at Direct to Consumer were so helpful in getting her setup with a Medicare Supplement. They were a wealth of knowledge and made the experience easy and stress-free. I highly recommend them!

Neva MD

My agent delivered on his promise to find me the same insurance (plan F) but with a different company and he did just that and saved me almost $100/mo. My agent is polite, personable, and he has excellent follow through. I am a very satisfied customer -- for life.

Nancy CA

I have had a great experience working with my agent in the past and recently. If I didn't understand something he would explain it thoroughly. He returns call's promptly and is honest which is important to me. I would recommend him to family and friends.

Colton FL

I am so grateful of having this company help me over the last 5 years. Previously, it was a nightmare every enrollment period. Their suggestions were great and I so happy that I'm with them.

Janet WV

My agent has done a fantastic job in helping find the best plan available, that has what you want, at a price you can afford. We have dealt with him since 2016 and he has always made it a pleasant experience, when we have any questions we can always call him.

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Stories and information to help you plan, prepare and protect
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Are Medicare Supplements and Medigap plans the same?

Yes, Medicare Supplements and Medigap plans are the same thing. "Medigap" is simply another name for Medicare Supplement insurance, and both terms are used interchangeably to refer to the same type of private health insurance that helps cover some of the out-of-pocket costs associated with Original Medicare, such as deductibles, copayments, and coinsurance. These plans are sold by private insurance companies and are standardized by the federal government to provide a consistent set of benefits across all plans.

When is the best time to buy a Medigap?

The best time to buy a Medigap (Medicare Supplement) plan is during your Medigap Open Enrollment Period, which is a six-month period that starts the month you are both age 65 or older and enrolled in Medicare Part B. During this period, you have guaranteed issue rights, which means that insurance companies cannot deny you coverage or charge you higher premiums based on your health status or pre-existing conditions. You can enroll in any Medigap plan offered in your area, regardless of your health status, and you won't have to undergo medical underwriting.

Can I be declined from getting Medigap Coverage?

If you enroll in a Medicare Supplement plan (Medigap) during your Medigap Open Enrollment Period, insurance companies cannot deny you coverage or charge you more based on your health status or pre-existing conditions. However, if you apply outside of this period, you may be subject to medical underwriting and may be denied coverage or charged a higher premium based on your health status.

Can I go to Any Doctor in the united states?

With a Medicare Supplement plan, you have the freedom to see any doctor or healthcare provider in the United States that accepts Medicare patients. Medicare Supplement plans are not limited by provider networks, so you can visit any healthcare provider that accepts Medicare without worrying about whether they are in-network or out-of-network. This means that you can choose the healthcare providers that best meet your needs, regardless of their location or affiliation with a particular healthcare network. However, it's important to note that some Medicare Supplement plans may have restrictions on coverage for medical services received outside of the United States, so be sure to check your plan details carefully if you plan to travel internationally.

What is a Standardized Medigap plan?

A Standardized Medigap plan is a type of Medicare Supplement insurance plan that offers a standardized set of benefits across all insurance companies that sell them. The federal government standardizes the benefits offered by these plans, which means that each plan type (identified by a letter, such as Plan A, Plan B, etc.) has the same benefits, regardless of which insurance company is selling it. This makes it easier for consumers to compare different Medigap plans and their costs.

What are guaranteed issue rights?

Guaranteed issue rights are rights that protect your ability to enroll in a Medicare Supplement (Medigap) plan without being denied coverage or charged higher premiums based on your health status or pre-existing conditions. If you have guaranteed issue rights, insurance companies must offer you a Medigap policy during specific enrollment periods, and they cannot ask you any medical questions or deny you coverage. There are several situations that may give you guaranteed issue rights, such as if you are in your Medigap Open Enrollment Period, if you have a Medicare Advantage plan that is leaving your area or discontinuing coverage, if you have Original Medicare and your employer coverage is ending, or if your Medigap insurance company goes bankrupt. It's important to understand your guaranteed issue rights and enroll in a Medigap plan during the applicable enrollment period to ensure that you can get the coverage you need without medical underwriting or higher premiums.