Hi Toni: I have Original Medicare and a Medicare Supplement Plan F. No problem in the past filing with Medicare, but beginning January 1st, my neurologist has changed how he bills Medicare. He is a small office and said that because of the amount of paperwork, he is...
Medicare Supplement (Medigap)
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
Can I Change My Medicare Supplement or Is Open Enrollment ONLY to Change Medicare Advantage Plans??
Dear Toni: I’m concerned about changing our Medicare Supplement plan that we have had for about 5 years since we first got on Medicare. Last week, we received a pretty good rate increase. This is not in our budget and everything just seems to go up every...
Medicare Part B…Plan F…Part D…Yikes!! What Is The Difference??
Toni: I attended your “Confused about Medicare last year at Sugar Creek Baptist Church and I still I don’t understand the difference between Original Medicare’s Plan F and Medicare’s Part C or even D. What is with all the different plans and parts? ...
Many Companies not Covering Retirees Effective January 1, 2014!! What are Your Medicare Options?
Help Toni: I am so nervous over what is happening with my late husband’s retirement benefits. He worked for IBM and they are cancelling his retiree Medicare coverage which I am covered with. What do I do NOW?? I am a 73year old female who has never purchased...
Medicare Supplement Rate Increase is Killing Me! Can I Change NOW!!!
Reader Alert: 7 weeks to October 15th…Medicare’s Open Enrollment Countdown… Dear Toni: I recently received the renewal for my Medicare Supplement and the rate increase is not in my budget. It is over 15% and every year it seems to go up, but not as...
TRS Medicare Plans…Which One Is Right For Me??
Reader Alert: 12 weeks to October 15th…Medicare’s Open Enrollment Countdown begins… In the past few days, I have had emails regarding mail already being sent in regards to Medicare Open Enrollment, this October 15th and I wanted my readers to be aware that...
Why Doesn’t Medicare Cover Glasses or Dental?
Toni, Will be eligible for Medicare this year and trying to compare Medicare to my company benefits? I think that I understand the alphabet soup for Medicare, i.e. Parts A, B and D. Why doesn’t Medicare cover eye glasses/vision benefits or dental work?...
Medicare Supplement / Medicare Advantage Which Option is Right for Me?
Dear Toni: Can you please explain to me which Medicare option is better? Medicare with Medicare Supplement plus a (Part D) Drug coverage or Medicare Advantage Plan I am having difficulty in comparing the two options on an apple to apple basis. Thanks, Dale… Sugar...
15% Medicare Supplement Rate Increase is Outrageous!!!
Dear Toni: I recently received the renewal for my Medicare Supplement and the rate increase is not in my budget. It is over 15% and every year it seems to go up, but not as much as this year. I’m a 70 year old female with high blood pressure and type 2...
Medicare Supplement or Medicare Advantage-What’s the Difference?
Toni: I have been receiving different insurance companies marketing material and I am confused about the difference between a Medicare Supplement and a Medicare Advantage Plan. They all seem to be the same. How are we supposed to understand all of...
