Medicare Supplement (Medigap) Plans in St. Louis
Compare Medigap plans in Glen Carbon, Godfrey, Brentwood, St. Louis & nearby areas with local guidance.
What It Is
Medicare Supplement Plans Help Cover the Gaps in Medicare
Medicare Supplement Insurance-also called Medigap-is designed to help pay for the costs that Original Medicare (Parts A & B) doesn't cover. These costs can include deductibles, copays, and coinsurance. Medigap plans work alongside Original Medicare, giving you more predictable out-of-pocket costs and greater peace of mind. We'll help you compare available plans, review costs, and make sure it fits your needs and budget.
What’s Typically Covered
How Medigap Helps Cover Medicare Expenses
Hospital Deductibles & Coinsurance
Helps pay for inpatient hospital stays, including Part A deductibles and extended hospital stays.
Medical Costs
Covers Part B coinsurance for doctor visits, outpatient care, and preventive services-often including the full 20% that Medicare doesn't pay.
Emergency Coverage While Traveling
Many Medigap plans offer coverage for medical emergencies outside the U.S., which Original Medicare does not cover.
Add-Ons That Pair With Medigap Plans
What You'll Still Need Alongside a Medicare Supplement
Prescription Drug Coverage (Part D)
Medigap plans do not cover prescription drugs. You'll need to add a separate Part D plan for medications.
Dental, Vision & Hearing Plans
These services aren't included in Medigap or Medicare Parts A & B. We can help you explore stand-alone plans for additional coverage.
Why St. Louis Seniors Choose Medigap Plans
Common Local Questions
We've found many folks around Belleville, Troy, and Maryland Heights appreciate the predictability that Medigap offers. If you prefer to visit any doctor or hospital that accepts Medicare, without worrying about networks, a Medigap plan may be your best fit. We'll help you review costs and coverage so you can make an informed decision based on your specific needs.
Medicare Supplement FAQs
Can I use my Medigap plan with any doctor?
Yes. As long as your provider accepts Medicare, your Medigap plan will work-there are no networks to worry about.
Do Medigap plans cover prescription drugs?
No. You'll need a separate Part D prescription drug plan for medication coverage.
Can I change my Medigap plan later?
In some cases, yes-but options may be limited depending on your health and the timing. We'll explain your options.
How is Medigap different from Medicare Advantage?
Medigap works with Original Medicare to cover costs, while Medicare Advantage replaces Original Medicare with bundled private plans. We'll help you compare both.
When is the best time to enroll in a Medigap plan?
Your best opportunity is during your Medigap Open Enrollment Period, which starts when you're 65 and enrolled in Part B. We'll help you navigate the timing.
