Understanding Medicare Supplement Plans: What You Need to Know

If you’re on—or about to join—Original Medicare, chances are you’ve heard about Medicare Supplement Plans, also called Medigap plans. These plans help fill in the coverage gaps left by Medicare Parts A and B—and understanding how they work can make all the difference in your peace of mind and your wallet.

At Moser Insurance Group Inc., we’re committed to helping North Carolina residents in Greensboro, High Point, Winston-Salem, Burlington, Archdale, Trinity, Asheboro, Randleman, Raleigh, and Charlotte make confident choices about their healthcare coverage.

Let’s break down the ins and outs of Medicare Supplements in a simple, straightforward way.

What Are Medicare Supplement Plans?

Medicare Supplement Plans (or Medigap plans) are insurance policies offered by private companies that help cover costs that Original Medicare doesn’t—like:

• Deductibles
• Coinsurance
• Copayments
• Emergency medical care when traveling abroad

Original Medicare covers a lot, but it doesn’t pay 100%. That’s where Medigap comes in to help bridge the gap—hence the nickname!

Why Choose a Medicare Supplement Plan?

Medigap plans offer predictable costs and flexible provider access. You can see any doctor or visit any hospital in the U.S. that accepts Medicare—no networks or referrals required.

This is a big plus for people who want the freedom to choose their healthcare providers without restrictions.

What’s the Most Popular Plan? Plan G.

If you’ve done even a little research, you’ve probably heard of Plan G—and for good reason. It’s currently the most popular and widely recommended Medicare Supplement Plan.

Here’s why people love Plan G:

• It covers almost all out-of-pocket costs except for the Medicare Part B deductible.
• After you pay that small annual deductible, you’re covered 100% for approved services.
• It offers peace of mind and predictability, especially for those who visit the doctor often or want strong protection against big bills.

At Moser Insurance Group Inc., we help clients compare rates from top carriers and make sure Plan G (or any other Medigap plan) is the right fit for their needs and budget.

What’s Not Covered by Medigap?

Good question! While Medigap plans cover many out-of-pocket costs, they don’t include:

• Prescription Drug Plans (Part D)
• Dental, Vision, and Hearing care (dentalvisionhearing)
• Long-term care
• Private-duty nursing
• Routine foot care

That’s why many people pair their Medigap plan with a separate Prescription Drug Plan and consider additional coverage for dentalvisionhearing services.

What If I Want All-in-One Coverage?

If you’re looking for an alternative to Original Medicare + a Medigap plan + drug coverage, a Medicare Advantage plan might be worth exploring. These all-in-one plans often include Part D, dentalvisionhearing benefits, and more.

Don’t worry—we’ll help you compare Medicare Advantage and Medigap side by side so you can choose what works best for you.

More Than Just Medicare

At Moser Insurance Group Inc., we do more than just Medicare Supplements. We also offer:

• Affordable Health Care / ObamaCare
• Health Insurance (for under 65)
• Life Insurance, including Whole Life, Universal Life Insurance, and IUL Life
• Burial Insurance and Final Expense Coverage
• Annuities for retirement income
• Support navigating the Healthcare Marketplace in NC
  …and more.

Let’s Find the Right Coverage Together

Choosing the right Medicare Supplement Plan doesn’t have to be confusing. We’ll take the time to explain your options, answer your questions, and find a plan that fits your lifestyle and budget.

We’re proud to serve our North Carolina neighbors in Greensboro, High Point, Winston-Salem, Burlington, Archdale, Trinity, Asheboro, Randleman, Raleigh, and Charlotte—and we’re just a phone call away.