Medicare Supplement Insurance

A Medicare Supplement (Medigap) policy is private insurance that helps pay some of the costs Original Medicare doesn’t, such as deductibles, coinsurance, and copayments. It works only with Original Medicare, not with Medicare Advantage. The best time to buy is usually your one-time Medigap Open Enrollment Period. Wellcovered Insurance, a licensed independent agency in Orange City, compares Medigap policies from the companies we represent.

We do not offer every plan available in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Wellcovered Insurance is an independent insurance agency located at 301 N Volusia Ave, Orange City, FL 32763. We are not connected with or endorsed by the U.S. government or the federal Medicare program.

What Medigap covers

Medigap plans are standardized and labeled with letters (Plans A, B, C, D, F, G, K, L, M, and N). Plans with the same letter have the same basic benefits no matter which company sells them. What differs between companies is mainly price and service. Depending on the plan, Medigap can help pay:

• Part A coinsurance and hospital costs
• Part B coinsurance or copayments (Part B generally charges 20% of the Medicare-approved amount after the deductible)
• Blood, skilled nursing facility coinsurance, and hospice coinsurance
• Some plans: the Part A deductible, Part B excess charges, and foreign travel emergency care

Plans C and F are not available to people who became newly eligible for Medicare on or after January 1, 2020.

(Source: Medicare.gov, Compare Medigap plan benefits)

What Medigap does not do

• It does not include prescription drug coverage. You would add a separate Part D plan.
• It cannot be used with a Medicare Advantage plan.
• It generally does not cover long-term care, vision, dental, or hearing aids.

When to buy: your Medigap Open Enrollment Period

Your Medigap Open Enrollment Period is a one-time window. It does not repeat every year like Medicare’s fall Open Enrollment. During this window, companies cannot deny you or charge more because of your health. After it ends, you may not be able to buy a policy, or it may cost more, unless you have a guaranteed issue right. Ask us how this applies to your situation.

(Source: Medicare.gov, Medigap: ready to buy)

If you still have employer coverage

If you or your spouse are still working and covered by an employer plan, you may be able to delay some Medicare decisions. Whether that is a good idea depends on the employer’s size and how your plan coordinates with Medicare. Talk with us before you drop or delay coverage.

How we help

We compare Medigap prices for the plan letters you are considering, from the companies we represent, and explain how premiums may change over time. There is no obligation to enroll.

Free counseling is also available

Want a second opinion at no cost? Florida’s State Health Insurance Assistance Program, SHINE, offers free Medicare counseling at floridashine.org. You can also compare all plans at Medicare.gov.

Talk with a licensed agent

Contact our office or request a review online. There is no obligation to enroll. You can also review every plan in your area at Medicare.gov or by calling 1-800-MEDICARE.

Last updated: November 3, 2026.