BW Insurance

Medicare Supplemental Insurance

Affordable Medicare Supplemental Insurance

Supplemental coverage plans to help you with medical expenses.

older couple needing medicare supllemental insurance

What is Medicare Supplement Insurance?

When an individual turns 65, Medicare is there to cover most medical expenses for things such as doctor visits and health care. However, Medicare actually does not cover everything, leaving you to cover the gaps in expenses that Medicare does not cover. To offset these costs, most individuals seek out Medicare Supplement Insurance, which is there to help pay some of the remaining healthcare costs that Medicare does not cover. Medicare supplement insurance covers things such as copayments, coinsurance and deductibles.

Medigap policies cover other things that Original Medicare does not cover. A good example of this would be if you are traveling outside the United States and you require medical care in another country. Some Medigap policies will cover those costs, giving you added peace of mind.

Things that Medigap or Medicare Supplement Insurance does not cover:

Medicare supplement insurance typically does not cover long-term care, dental care, hearing aids, eyeglasses or private-duty nursing.

It is important to know the difference. Some insurance plans aren’t Medigap. Here are a few examples:

  • Medicare Advantage Plans (like an HMO, PPO, or Private Fee-for-Service Plan)
  • Medicare Prescription Drug Plans
  • Medicaid
  • Employer or union plans, including the Federal Employees Health Benefits Program (FEHBP)
  • Tricare
  • Veterans’ benefits
  • Long-term care insurance policies
  • Indian Health Service, Tribal, and Urban Indian Health plans

Not sure what you need? That’s why we are here. We know it may be confusing as to what Medicare and health insurance coverage you need to have great coverage, while also making everything affordable. We can help you through the coverage process, keeping you informed about things such as Medicare Parts A and B, as well as the Medicare supplement Insurance that is right for you. Give us a call today and we will schedule an appointment to sit down with you and guide you through the Medicare, Medicare supplement insurance, and any other healthcare process you may need to know.

Tell us about your Medicare Supplement Insurance needs. We’ll listen and work with you to make sure you are covered.



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Have questions? Want to compare premiums? Not sure what type of coverage you need? Have the peace of mind knowing our knowledgeable agents are here to help you every step of the way.

1. What is Medicare Supplement Insurance?

Medigap is Medicare Supplement Insurance that helps fill “gaps” in Original Medicare and is sold by private companies. Original Medicare pays for much, but not all, of the cost for covered health care services and supplies. A Medicare Supplement Insurance (Medigap) policy can help pay some of the remaining health care costs, like:

  • Copayments
  • Coinsurance
  • Deductibles

2. Does Medigap cover Everything?

No. Medigap policies generally don’t cover long-term care, vision or dental care, hearing aids, eyeglasses, or private-duty nursing.


We’ve been helping families and businesses owners with their insurance needs for over 30 years. Call now to speak with an agent who cares about your family and your business!

Have any Question? Ask us anything, we’d love to answer!