Open Monday to Friday, 8:30 to 4:30Visit 301 N. Lincoln St., Greensburg
Call (812) 527-2100

Medicare Supplement (Medigap) help in Greensburg

A Medicare Supplement, also called Medigap, helps pay the costs Original Medicare leaves you with, like deductibles, coinsurance and copays.

Call (812) 527-2100 Request a call back

We're an independent agency on Lincoln Street. We compare the Medigap plans from the companies we represent, explain the differences in plain English, and help you apply.

How Medigap works

  • It works alongside Original Medicare (Parts A and B), not instead of it.
  • You can see any doctor or hospital in the country that accepts Medicare. There's no network.
  • Plans are standardized and named by letter, so the same letter covers the same things no matter which company sells it. What differs is the price and the company behind it.
  • Medigap doesn't cover prescriptions, so most people add a separate Part D drug plan.

When to buy one

Your Medigap Open Enrollment Period lasts 6 months, starting the month you're 65 or older and enrolled in Part B. During that window the insurance company can't turn you down or charge you more because of your health. Outside it, the company can usually ask health questions and may decline you or charge more, except in certain protected situations. That's why the timing matters, and why we help you plan it.

Medigap or Medicare Advantage?

They're two different ways to get your Medicare coverage. Medigap usually costs more each month but leaves you with few bills when you get care and no network. Medicare Advantage often has a lower monthly premium but uses a network and copays. We lay out both with your doctors, prescriptions and budget so you can decide.

Thinking about dropping your Medigap plan? Talk to us first. If you change your mind later, you may have to answer health questions to get a Medigap plan back.

Questions we hear

When can I buy a Medigap plan?
Any time, but the safest time to buy is your 6-month Medigap Open Enrollment Period, which starts the month you're 65 or older and enrolled in Part B. During it, your health can't be used to turn you down or charge you more.
Does Medigap cover prescriptions?
No. You'll want a separate Part D drug plan alongside it. We can help with both.
Can I keep my doctors?
Medigap works with any doctor or hospital in the country that accepts Medicare.
Is Medigap part of Open Enrollment in the fall?
No. Medigap isn't tied to the October 15 to December 7 window. You can apply any time, but outside protected windows the insurance company can ask health questions.
Does working with an agent cost more?
No. The insurance company pays us a commission, and your premium is the same as buying the policy directly.

Call us at (812) 527-2100 or request a call back, and one of our agents will get back to you.

Call (812) 527-2100