Deductibles & copays
Part A hospital and Part B medical deductibles get handled for you, so office visits and hospital stays become predictable.
Plan A–N
Medicare Supplement
Standardized coverage that travels with you — accepted by any doctor in the country who takes Medicare.
Medicare Supplement (Medigap) insurance sits on top of Original Medicare and pays many of the costs Original Medicare doesn’t — deductibles, copays, and coinsurance. Because plans are standardized by the government, Plan G in California covers exactly the same benefits as Plan G in Texas. What changes is the price, the underwriting rules, and how well it fits your life.
After 25 years of watching clients move through retirement, one truth stands out: people who value “I never have to think about a bill again” sleep better on a Supplement than on almost anything else. My job is to find the plan that delivers that calm at the lowest honest premium — and to be here when a claim confuses you.
What It Covers
The protection, piece by piece.
Nationwide freedom
No networks. See any provider in the U.S. that accepts Medicare — snowbird season, road trips, and moves included.
Plan G vs. Plan N
Plan G covers almost everything after the Part B deductible; Plan N trades small copays for a lower premium. We’ll run the math for you.
Renewable for life
As long as you pay the premium, your policy cannot be cancelled — even if your health changes. That’s federal law.
My Process
How we get you covered.
Every recommendation runs through the same four steps — whether you’re choosing medicare supplement or any other coverage I offer.
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Map your doctors
I confirm your providers accept Medicare and note any referral patterns that matter for your plan choice.
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Compare the market
Every carrier offering Plan G or Plan N in your zip code, ranked by 3-year rate history — not just today’s price.
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Enroll without the paperwork maze
I handle the application, medical questions, and effective-date timing so coverage overlaps perfectly.
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Annual rate review
Each year I re-shop your premium and flag when a switch genuinely saves money — no churn for its own sake.
Common Questions
About Medicare Supplement.
Still curious? Call (415) 891-9797 — I answer these calls myself.
When can I buy a Medicare Supplement?
Your Medigap Open Enrollment Period is the six months beginning the month you turn 65 and are enrolled in Part B. During that window you cannot be declined or charged more for health reasons. After it, medical underwriting may apply — so timing matters.
Is Plan G really better than Plan N?
Not always. Plan G covers more (the Part B deductible and excess charges), but Plan N can save meaningful premium each year if you’re comfortable with small copays. I show you both sets of numbers side by side.
Do I still need Part D if I have a Supplement?
Yes. Medicare Supplements do not cover prescription drugs. Most people keep a Part D plan alongside their Medigap to avoid a late-enrollment penalty later.
Explore More
Other coverage I offer.
Let’s Talk
Ready to talk about medicare supplement?
Free plan comparison, honest advice, zero pressure — that’s the whole deal.
No cost · No obligation · Licensed in CA · FL · NJ · NV · SC · TX