Medicare Supplement
Request a Medigap QuoteMedicare Supplement Plans in Mesa & Throughout Arizona
We help you find the Medigap plan that provides total peace of mind and the freedom to choose any provider in the country that accepts Medicare.
Understanding Medicare Supplement Insurance
Medicare Supplement Insurance, commonly known as Medigap, is designed to “bridge the gap” left by Original Medicare (Parts A and B). While Original Medicare covers a significant portion of your healthcare costs, it still leaves you responsible for deductibles, copayments, and 20% coinsurance that can add up quickly.
In Arizona, Medigap plans are standardized by the government (Plans A through N), but premiums vary significantly between companies. At Legacy Med Solutions, we review your options with you and help you choose a plan that fits your health and financial needs.
The Three Pillars of Medigap Coverage
Freedom of Choice
See any doctor, specialist, or hospital in the United States that accepts Medicare. No referrals or networks required.
Reduce “Surprise” Costs
Depending on the plan you choose (such as Plan G or Plan N), your out-of-pocket costs for Medicare-approved services can be reduced to nearly zero.
Guaranteed Renewability
As long as you pay your premium, your coverage cannot be canceled, regardless of any changes in your health.
Seamless Care with Arizona’s Top Healthcare Systems
Because Medigap plans do not use restrictive networks, you have access to Arizona’s premier medical facilities. Whether you receive care at Mayo Clinic in Scottsdale, Banner – University Medical Center, or HonorHealth, your Medicare Supplement plan travels with you.
Our agents help you understand how a Medigap policy interacts with local specialists, ensuring that your transition into Medicare is as seamless as the care you receive.
Your Medigap Open Enrollment Period
In Arizona, your best window to buy a Medigap policy is during the seven-month period that starts the month you turn 65 and are enrolled in Part B. During this time, you have “Guaranteed Issue” rights, meaning insurance companies cannot deny you coverage or charge you more for pre-existing conditions.
Frequently Asked Questions About Arizona Medigap
Is Medigap the same as Medicare Advantage?
No, they are different in their approach to how they cover your Medicare costs. An Advantage plan bundles your coverage into one plan; a supplement works alongside Original Medicare.
Does Medigap include prescription drug coverage?
No. Medigap only covers “medical” and “hospital” gaps. You will need to pair your Supplement plan with a separate Part D Prescription Drug Plan. We can help you find the lowest-cost Part D plan for your specific medications.
Can I switch from an Advantage plan to a Medigap plan?
Yes, but typically only during specific enrollment periods, and you may be subject to medical underwriting in Arizona depending on your situation. Contact us to review your options.
Is Medigap the same as a Supplement?
Yes, Medigap and Supplement refer to the same thing. Those two words are used interchangeably.
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