Medicare Supplements
Fill the Gaps in Your Medicare Coverage
Get Peace of Mind With the Right Plan
Original Medicare helps cover many healthcare costs, but it doesn’t pay for everything. Expenses like deductibles, copayments, and coinsurance can add up quickly, especially during unexpected medical events. At Freedom for Living Financial Services, we’ll help you explore Medicare Supplement (Medigap) plans to fill these gaps and give you greater financial confidence. Together, we’ll find a plan that supports your health needs and your budget.
How We Help With Medicare Supplements
Simple Guidance, Smart Choices
We’ll walk you through your options and help you choose a plan that makes sense for your life.
Medicare Supplements (Medigap)
Coverage that helps pay out-of-pocket costs not covered by Original Medicare, like deductibles and coinsurance.
Plan Comparison
Clear explanations of different Medigap plans so you can make an informed choice.
Enrollment Guidance
Step-by-step help to avoid penalties and secure your coverage on time.
Questions About Medicare Supplements?
Here’s What You Should Know
What is a Medicare Supplement plan, and how does it work?
A Medicare Supplement plan, also known as Medigap, works alongside Original Medicare to help pay for costs like deductibles, copayments, and coinsurance. These plans don’t replace Medicare—they simply reduce your out-of-pocket expenses and make your healthcare costs more predictable. We’ll help you understand how these plans work and whether they’re a good fit for your needs.
Why would I choose a Medicare Supplement over a Medicare Advantage plan?
Medicare Supplements offer flexibility by allowing you to see any doctor or specialist who accepts Medicare, without network restrictions. They’re a good choice if you travel often or want consistent coverage nationwide. Medicare Advantage plans, by contrast, often include extra benefits but may limit you to certain provider networks. We’ll compare both options side by side to help you decide what works best for your situation.
When can I enroll in a Medicare Supplement plan?
The best time to enroll is during your Medigap Open Enrollment Period, which begins the month you’re 65 or older and enrolled in Medicare Part B. During this time, you have guaranteed issue rights, meaning insurers can’t deny you coverage or charge higher premiums due to health conditions. We’ll guide you through the process to make sure you don’t miss this important window.
Can I switch Medicare Supplement plans later?
Yes, but switching can depend on your health and the underwriting requirements of the new plan. We’ll help you review your current coverage, evaluate new options, and understand any potential challenges or costs before making a change.
Why choose Freedom for Living for Medicare Supplement planning?
We take the time to explain your options in plain, approachable language, so you can make a confident decision without feeling overwhelmed. As an Ethics Approved Registered Financial Consultant (RFC®), Ron Rogers prioritizes your best interests and helps you find the coverage that fits your life—not the one that benefits an insurance company.