Medicare Supplement Insurance — Filling the Gaps in Original Medicare
Original Medicare covers a great deal, but it does not cover everything — and what it does not cover can add up quickly. Copayments, coinsurance, deductibles, and unlimited 20% out-of-pocket exposure on Part B services can create significant and unpredictable healthcare costs for retirees on fixed incomes. Medicare Supplement Insurance, commonly referred to as Medigap, was designed specifically to fill these gaps and provide Medicare beneficiaries with comprehensive, predictable coverage.
United Allstar Insurance Advisors has extensive experience helping clients in Spring and throughout Texas select the right Medicare Supplement plan from the right carrier at the most competitive available price. Because Medigap plans are federally standardized, our expertise lies in navigating the differences between carriers — including pricing, rate increase history, and financial strength — to make sure you get the best value for your money.
What Is Medicare Supplement Insurance?
Medicare Supplement Insurance is private insurance that works alongside Original Medicare. When you receive Medicare-covered services, Original Medicare pays its share first, and your Medigap policy then pays its portion of the remaining costs. The result is dramatically reduced or eliminated out-of-pocket exposure for Medicare-approved services. You keep your original Medicare card and your freedom to see any doctor or specialist who accepts Medicare—anywhere in the country.
How Medigap Plans Work
Medigap plans are sold by private insurance companies but are federally standardized, meaning the benefits of each plan letter are identical regardless of the carrier. Plan G from Company A covers exactly the same services as Plan G from Company B — the only differences are the monthly premium, the company's financial rating, and historical rate increase patterns. This standardization makes it straightforward to shop and compare plans—and it is exactly where United Allstar Insurance Advisors provides real, tangible value to our clients.
Plan G — The Most Recommended Option for New Enrollees
Plan G is currently the most comprehensive Medicare Supplement plan available to individuals newly eligible for Medicare. Plan G covers all Medicare-approved out-of-pocket costs except the Part B annual deductible — meaning once you have met that single annual deductible, there are no more copayments, coinsurance, or out-of-pocket costs for Medicare-covered services for the rest of the year. Plan G provides outstanding peace of mind and financial predictability for retirees who want comprehensive coverage without surprises.
Key Facts About Medicare Supplement Insurance
You must have Medicare Part A and Part B to purchase a Medigap policy
You pay a monthly premium to the private insurance company in addition to your Part B premium
Medigap policies have guaranteed renewal—your policy cannot be cancelled due to health
You can use your Medigap plan with any doctor or hospital that accepts Medicare nationwide
Medigap policies do not include prescription drug coverage—you will need a separate Part D plan
United Allstar Insurance Advisors compares Medigap plans from multiple top-rated carriers to find you the right plan at the most competitive price available in your area. We also monitor rates over time and let you know when it makes sense to consider switching carriers for better value.