Out-of-pocket costs like copayments, coinsurance, and deductibles can quickly add up, leaving you with hefty bills. And bills pile up fast. Based in Modesto, Scott Lucas Insurance is dedicated to helping California seniors find Medicare Supplement Plans that bridge the gaps left by Original Medicare. Get in touch with The Medigap Guy to get the coverage you deserve.
What Are Medicare Supplement Plans?

Understanding Medicare Supplement Plans
Medicare Supplement Plans, also known as Medigap, work alongside Original Medicare (Parts A and B) to help cover out-of-pocket costs. These plans are provided by private insurance companies and are designed to handle expenses like copayments, coinsurance, and deductibles that Original Medicare doesn’t pay. By filling these gaps, Medigap plans provide financial relief and make healthcare costs more predictable and manageable.

Medigap vs. Medicare Advantage
Medicare Advantage is an all-in-one alternative to Original Medicare, combining Parts A and B (and often Part D for prescriptions) into one plan. In contrast, Medigap supplements your existing Medicare coverage, helping with out-of-pocket costs but not replacing Original Medicare itself. This makes Medigap an ideal choice for those who want to keep their Medicare benefits while gaining extra financial protection.

Who Is Eligible for a Medigap Plan?
To qualify for a Medigap plan, you must be 65 or older and enrolled in Medicare Parts A and B. The best time to apply is during your open enrollment period, which starts the month you turn 65 and are enrolled in Part B. During this period, you have guaranteed issue rights, meaning you can’t be denied coverage or charged more due to pre-existing conditions. If you apply outside this window, however, medical underwriting may apply.

Choosing the Right Medigap Plan
There are several types of Medigap plans available, each designed to cover different gaps in Medicare. Some plans may pay for all coinsurance costs, while others focus on specific expenses like Part A deductibles or foreign travel emergency care. It’s important to evaluate your healthcare habits, budget, and lifestyle when selecting a plan. If prescription drug coverage is important to you, keep in mind that Medigap plans don’t include this benefit—you’ll need to purchase a separate Part D plan.
Our mission is to make Medicare decisions simple and stress-free. We’re here to help you sort through the complexities of Medigap plans, Part C (Medicare Advantage), and Part D (Prescription Drug Plans). Give us a call today and let’s simplify Medicare together.