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
Toni: Last year, I made a mistake and changed to a Medicare Advantage Plan because I understood from talking with my friends that this PPO plan was like a Medicare Supplement. Boy, was I wrong! I want out!! Most specialists and even the facility that does...
Toni: I am a retired Texas teacher and I am turning 65 this October. I am absolutely mortified by the TRS changes that I am hearing through the grapevine. My doctor is not accepting Humana Medicare Advantage and I am concerned about future health issues. I have...
Toni: Last year, I made a mistake and changed to a Medicare Advantage PPO because I understood from talking with my friends that this PPO plan was like a Medicare Supplement. I want out!! Most specialists and even the facility that does MRIs are out...
Rumor is…Medicare Supplement Plans F & C Are Going Away After Jan.1, 2020? Morning Toni: I am turning 65 in October and noticing a difference in the premiums between many of the Medicare Supplement plans. F is considerably higher in premium...
Choosing The Right Medicare Supplemental Plan Can Be Extremely Stressful! Morning Toni: When I first got Medicare, I picked a Medicare supplement plan F. Next year I was approached by an insurance agent and he talked me into plan L to save me a few bucks since...
Medicare Open Enrollment When You Have Company Benefits Toni, After speaking with you yesterday, I received a call from my deceased husband’s office and was advised that my medical insurance would expire March 31, 2016. I am taking the paper which goes to Social...
Toni, Will be eligible for Medicare in 2016 and trying to compare Medicare to my current company benefits? I am concerned that if I need cataracts removed that this procedure will not be covered with Medicare. I can take my company dental and vision benefits when I...
Medicare Open Enrollment Toni: I turn 65 next March 2016 and am absolutely baffled by all of the mail I am receiving on this year’s Medicare Open Enrollment. Is there something that I need to do for this enrollment time? All of the mail is informing me that I need to...
My Doctors are Not Accepting My Medicare Toni: Last year, I made a big mistake and changed to a Medicare Advantage HMO from my Medicare Supplement and I want out!! I cannot even get a MRI with this company. I am in Galveston County and most of my doctors are not...
Medicare Annual Enrollment Toni: Read in your column last week that there is only 5 weeks to the Medicare Annual Enrollment period. I’m really confused on what I need to do. I am receiving so much mail that I am stressed about making the wrong decision and messing up...
