Medicare Supplement Plans (Medigap)

Affordable Medicare Supplement (Medigap) Plans in Tennessee & Georgia

Even with Original Medicare, you may still face out-of-pocket costs like deductibles, coinsurance, and copayments. These expenses can add up quickly, especially if you need frequent care. That’s where **Medicare Supplement Insurance—also called Medigap—**comes in.



At Solutions to Medicare, we provide personalized guidance on Medicare Supplement plans in North Georgia, Chattanooga, TN, and surrounding areas. We’ll help you understand how Medigap works, compare plan options, and choose coverage that gives you peace of mind and financial protection.

What Is Medicare Supplement Insurance (Medigap)?

Medigap policies are sold by private insurance companies and are designed to work alongside Original Medicare (Parts A & B). They help pay for the costs Medicare doesn’t fully cover, including:

  • Hospital deductibles
  • Skilled nursing facility care costs
  • Copayments and coinsurance
  • Emergency care while traveling abroad


With Medigap, your healthcare costs become more predictable and easier to manage.


Key Benefits:

  • Enhanced Coverage – Helps cover expenses not paid by Medicare.
  • Peace of Mind – Protects you from surprise medical bills.
  • Freedom of Choice – Visit any doctor or specialist nationwide who accepts Medicare—no networks required.
  • Guaranteed Renewability – As long as you pay your premiums, your Medigap coverage cannot be canceled.

Who Is Eligible for Medigap?

You may be eligible if:

  • You’re enrolled in Medicare Parts A & B
  • You apply during your Medigap Open Enrollment Period (the 6 months after you first enroll in Part B)
  • You live in a state or county where the plan is offered (we help clients across North Georgia and Chattanooga, TN)

Who Should Consider Medigap?

Medigap plans help cover the costs Original Medicare doesn’t, like copayments, coinsurance, and deductibles. Consider a Medigap plan if:

  • You’re about to turn 65 – Best time to enroll is during your Medigap Open Enrollment Period.
  • You want predictable costs – Helps reduce unexpected medical bills.
  • You travel often – Many plans cover care outside your state or abroad.
  • You see specialists regularly – Visit any provider that accepts Medicare without referrals.
  • You want peace of mind – Most out-of-pocket costs are covered.


With Medigap, you keep Original Medicare and add extra protection for more predictable healthcare expenses.

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What Medigap Plans Cover - and What They Don't

Medigap (Medicare Supplement) plans are designed to fill the “gaps” in Original Medicare. They help reduce out-of-pocket expenses but don’t cover everything.


What Medigap Covers:

  • Deductibles, copayments, and coinsurance
  • Part B excess charges (when providers bill above Medicare’s approved amount)
  • Hospital and skilled nursing facility coinsurance
  • The first 3 pints of blood each year
  • Emergency medical care while traveling abroad (with many plans)


What Medigap Does Not Cover:

  • Routine dental, vision, or hearing care
  • Eyeglasses or hearing aids
  • Long-term care (like nursing homes or assisted living)
  • Private-duty nursing
  • Services not covered by Original Medicare

How We Help with Medigap in Tennessee & Georiga

With several Medigap plan types available (like Plan G, Plan N, and others), choosing the right one can feel overwhelming. That’s where we come in.


At Solutions to Medicare, we’ll:

  • Explain plan options clearly, so you know exactly what’s included.
  • Compare costs and benefits across carriers to find the best value.
  • Guide you through enrollment, making sure deadlines and paperwork are handled correctly.
  • Support you long-term, helping you review your plan each year to ensure it still fits your needs and budget.

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