Medicare Supplement Insurance (also called Medigap) is optional coverage sold by private insurance companies that helps pay some of the costs Original Medicare doesn’t—like copayments, coinsurance, and certain deductibles. Medigap works only with Original Medicare (Part A and Part B), and it can make your healthcare expenses easier to budget because it helps reduce what you pay when you receive care.
Medigap plans come in different standardized options (often labeled by letters), pricing can vary by company, and your ability to enroll may depend on timing, especially around your initial Medigap enrollment window. Choosing the right plan means balancing monthly premium vs. out-of-pocket risk, and making sure the plan fits your doctors, travel needs, and long-term budget.
Below, you’ll find ToniSays.com articles and resources that break down Medicare Supplements (Medigap) down into plain English, step-by-step.
READ: What Is Medicare? 2026 Beginner’s Guide to Understanding Your Coverage Options
Medicare Supplement Premium Is Out-of-Control!! When Can I Change? Toni: We have received a 20% increase for our Plan F Medicare Supplement that is effective October 1. I am a 70-year-old female in good health, but my husband is undergoing cancer treatment. Also,...
Are Medicare Supplements and Medicare Advantage PPO Plans the Same? Dear Toni: What is the difference between a “Medicare Supplement” and a “Medicare Advantage PPO" plan? I am turning 65 and I am being bombarded with marketing material. Friends have told me that a...
Medicare and Traveling the US? Toni: I have retired effective 1 and now my wife and I are going to travel the US in the new Winnebago that is sitting in my driveway. I am having a hard time trying to sign up for Medicare since I turn 65 in and really do not know what...
Medicare Supplement Rate Increase is Outrageous! Toni: We have received a 20% increase for our Plan F Medicare Supplement that is effective May 1. I am a 70-year-old female in good health, but my husband is undergoing cancer treatment at MD Anderson. Also, his...
Did Changes to Plan F Cause My Medicare Supplement Premiums to Rise? 2 Weeks until Thursday, October 15-Medicare Annual Enrollment- Toni: We have received a 20% increase in our Plan F Medicare Supplement. I am a 70-year-old female in decent health, but my husband is...
Does A Medicare Supplement Have A PPO Network? Dear Toni: I am turning 65 in July and my husband is retiring January 2021. Both of us are covered by his company health plan. I am being bombarded by Medicare marketing material regarding different types of Medicare...
Turning 65 in March…Why Can’t I apply for Medicare Supplement Plan F? Morning Toni: I am turning 65 in March and am searching for the right Medicare Supplement to cover my health needs. I have been told from patients at the cancer center where I go to...
Can I Change My Medicare Advantage Plan After the Dec. 7th Deadline? Hello Toni: I recently attended a Medicare Advantage meeting because my Medicare Supplement Plan F is costing me $220 a month and was going to join. A friend introduced me to your articles explaining...
Toni, Will be eligible for Medicare in July and am now receiving breast cancer treatment from MD Anderson. I am currently on my ex-employer’s COBRA and searching for dental care when I go on Medicare in July. The only dental/vision plans I am finding are...
Toni: Last year, both me and my husband purchased a Medicare Supplement Plan G. The supplement has never paid a dime! We are still having to use the same doctor and get referrals from our Medicare Advantage HMO that we were using in 2016. Now the...
