To speak with a licensed agent, call (858) 689-7445 (TTY 711 M-F, 9am-5pm) or email

Professor Medicare
(A non-government entity)

Medicare Supplement Plans

(858) 689-7445 //

Medicare is available in several “parts” all of which are designed to fit together to offer comprehensive coverage.

Still, gaps between the plans mean that some people experience difficulty in gaining coverage in some situations, or end up with high out-of-pocket expenses. Medicare Supplement Plans were designed to help close these gaps. That’s why Supplement plans are often called “Medigap” plans.

A Medicare Supplement plan, paired with Original Medicare, will be accepted nationwide. Out-of-pocket costs are usually lowest with this combination, and flexibility is greatest. Of course, cost is based on your age, gender, geographic location, tobacco usage, and household eligibility for discounts. As a result premiums can vary greatly based on your specific situation and the insurance carrier you select.

What is a Medicare Supplement plan?

Medicare Supplement Plans cover the costs that Medicare normally passes on to the patient. This might include deductibles, co-pays, and coinsurance.

First, Medicare pays for its usual share of expenses. Then, a Supplement plan kicks in to cover its share. In many cases the Supplement plan pays for the remaining balance of the bill, but this can vary depending upon the plan’s design.

The Ten Types of Medicare Supplement (Medigap) Plans

Medicare standardized all Supplement plans in 1990, designating each type of plan with a letter. Beneficiaries can enroll in Medigap plan A, B, C, D, F, G, K, L, M, or N. No matter which company provides the policy, plans with the same letter will offer the same benefits. The main difference between Supplement, or Medigap, plans is the premium. Beneficiaries should shop and compare plans to find the plan to meet their needs and budget.

Some items are not covered by any Medicare Supplement plan:

  • Routine dental, hearing, and vision exams
  • Glasses or contacts
  • Hearing aids
  • Retail prescription drugs
  • Long-term care or custodial care

Enrolling in a Medicare Supplement plan

The Medicare Supplement Open Enrollment Period is not the same as the Annual Election Period that occurs each autumn. Open Enrollment dates for Supplement plans vary from one individual to another, so it is important to understand when you can enroll.

Here’s what you need to know:

  • Medicare Supplement Open Enrollment happens one time for most individuals
  • Open Enrollment is not annual; once your opportunity is gone, it is gone
  • Medicare Supplement Open Enrollment lasts for six months
  • You might be subject to health questions if you ever want to change plans
  • Federal law does not require insurance companies to accept you into a Medicare Supplement plan in most circumstances

Medicare Supplement Open Enrollment begins on the day that your Medicare Part B activates. The window for enrollment in a Supplement plan lasts for six months, and then closes.

For most people that means you must enroll in a Supplement policy when you turn 65. However, if you delay Part B coverage because you’re still working, then your Supplement open enrollment window will occur later, when your Part B coverage goes into effect.

Either way, this Open Enrollment period is the only time you will be able to enroll in a Supplement plan without answering health questions. At any other time, a health questionnaire will be required. Your plan will be subject to underwriting and you could be denied coverage.

Those who are eligible for Medicare before they turn 65, due to disability, will experience a second Supplement open enrollment window when they turn 65. This is the only instance in which a person who previously missed enrollment will have another chance to select a Medigap policy.

Again, you must enroll in a Medicare Supplement plan during your six-month open enrollment window, or you will not get another chance to enroll without answering health questions. You can apply for a Medigap plan at any later date, but health insurance companies will require screening and might deny you coverage. Talk to a licensed insurance professional as your Open Enrollment window approaches, to understand your rights and responsibilities with regard to Medicare Supplement plans.

Get Free Medicare Assistance

Friendly, licensed professionals are available to answer all of your questions. Call (858) 689-7445 or complete the form below and we’d be happy to reach out to you.

      By submitting this information, you acknowledge a licensed insurance agent may contact you by phone, email, or mail to discuss Medicare Advantage Plans, Medicare Supplement Insurance, or Prescription Drug Plans.

      Close Accessibility Tools
      Accessibility Controls Reset
      Content Adjustments
      Font Size


      Line Height


      Content Scaling


      Highlight Titles
      Highlight Links
      Highlight Forms
      Align Left
      Align Center
      Align Right
      Focus Mode
      Color Adjustments




      Accessibility Statement

      Despite our attempts to make this website accessible for everyone, there may still be some pages or sections that are not completely accessible, are in the process of becoming accessible, or do not have a suitable technological solution to make them accessible. Nevertheless, we are always striving to enhance our accessibility by adding, updating, improving its options and features, and incorporating new technologies.

      We want to provide our users with the best experience possible, so we strive to support as many browsers and assistive technologies as possible.

      If you wish to contact this website's owner, please use the contact form on the website.

      Our User Interface Adjustment Options

      Font adjustments - With this tool, users can modify font size, style, letter spacing, and line height for improved alignment and readability.

      Color adjustments - Users can customize their color contrast profiles to light, dark, desaturated, and monochrome.

      Content highlighting - Users can prioritize key elements such as links, forms, and titles.

      Content focus - Users can enable focus mode to highlight the current page information based on their mouse movement.