What Are Medicare Supplement Plans?
Medicare Supplement Plans — often called Medigap — are designed to cover the "gaps" that Original Medicare doesn't fully pay for, like deductibles, coinsurance, and copayments.
These plans work alongside your Original Medicare (Part A and Part B) coverage, helping you control your out-of-pocket expenses and gain more peace of mind about healthcare costs.
At our company, we make understanding Medicare Supplement Plans easy — explaining your options clearly and helping you decide if a Medigap policy is the right choice for you.
Our Approach to Medicare Supplements
Choosing the right Medicare Supplement Plan isn’t about picking the flashiest name or the cheapest option. It’s about finding a plan that fits your real needs and works with your preferred doctors and hospitals.
When you work with us, we’ll:

- Explain your Medigap options and help you understand what each lettered plan (like Plan G or Plan N) covers.
- Compare available plans across different providers — because as an independent agent, we’re here to serve you, not push a single company.
Our focus is on clarity, personal service, and making sure you feel confident in your healthcare coverage moving forward.
Benefits of Working with an Independent Agent
When you choose an independent agency like ours, you get:
Choice
Access to a variety of top-rated insurance companies offering Medicare Supplement Plans in Naperville, Wheaton, and Lisle.
Convenience
In-home visits that make getting advice easy and personal.
Support
Help not just during enrollment, but anytime you have questions or need to make changes.
Clarity
Honest explanations — no complicated insurance language.
We believe insurance should serve you — not confuse you. That’s why everything we do is built around clear, practical advice.
Health Insurance Simplified
What does a Medicare Supplement Plan cover?
Medicare Supplement Plans help pay costs that Original Medicare doesn't fully cover, such as:
- Hospital stays beyond the basic limit
- Skilled nursing facility care
- Medicare Part B excess charges
- Foreign travel emergency care (for certain plans)
Different plans cover different gaps — we help you find the one that’s best for your situation.
Can I keep my doctor with a Medicare Supplement Plan?
Yes! As long as your doctor accepts Medicare, you can continue seeing them with a Medigap plan — no referrals needed and no network restrictions.
When is the best time to enroll in a Medicare Supplement Plan?
The best time to enroll is during your Medigap Open Enrollment Period — a six-month window that starts the month you turn 65 and are enrolled in Medicare Part B.
During this time, you can choose any plan without worrying about medical underwriting.
Do Medicare Supplement Plans include prescription drug coverage?
No. You’ll need a separate Part D Prescription Drug Plan for medication coverage. We can help you pair the two together easily.
How much does a consultation cost?
There’s no charge to meet with us and review your Medicare Supplement options. Our goal is to give you the information you need without any pressure.