Choosing Medicare coverage is a big decision. Premiums, deductibles, and confusing plan letters can make it hard to feel confident about your choice. USA Benefits Group is here to make Medicare supplements simple, clear, and budget-friendly for you. We focus on Medigap coverage every day, so you do not have to sort through everything by yourself.
USA Benefits Group has helped hundreds of seniors across Florida lower their Medicare costs and understand their options for Medicare supplements (also called Medigap plans).
When you work with us:
You get a dedicated local, licensed broker, not a call center.
We work around your schedule and your budget, not the other way around.
We will compare plans to give you clear answers about Medicare supplements
Our goal is to help you feel confident about your coverage and your costs. You will never be rushed or pressured. We’ll walk through your choices together, explain how each Medicare supplement plan works, and match you with options that fit both your health needs and your wallet.
“The best Medicare plan is the one you can understand and use with confidence.” — Medicare counseling motto
Medicare supplements are private insurance policies that work alongside Original Medicare (Part A and Part B). They are often called Medigap plans because they help pay for the “gaps” in Original Medicare — things like:
Original Medicare usually pays about 80% of approved costs for most services, though research on clinical and administrative factors continues to examine how cost-sharing affects healthcare utilization. Medicare supplements are designed to help with all or part of the remaining 20%, depending on which plan you choose. You still use your red, white, and blue Medicare card; your Medigap policy simply acts as secondary coverage.
“Medigap policies help pay some of the health care costs that Original Medicare doesn’t cover.”
With Medicare supplements:
Your Medicare supplement then pays its share based on the plan you selected.
You keep paying your Part B premium to Medicare, and you also pay a separate premium for your Medicare supplement. Many people like this setup because their costs are more predictable from month to month.
Medicare supplements are not the same as Medicare Advantage (Part C). You cannot have both at the same time. Medicare supplements work with Original Medicare, while Medicare Advantage replaces it with a private plan.
The best time to enroll in Medicare supplements is during your Medigap Open Enrollment Period:
It lasts six months.
It begins on the first day of the month you are both:
During this six-month window:
If you apply for Medicare supplements after this period, the insurance company can usually:
There are a few situations, called guaranteed issue rights, where you might have special protections outside your initial window — for example, if you lose certain other coverage or your Medicare Advantage plan leaves your area. Other situations can include:
We can help you understand whether any of these may apply to you and what timing works best for your situation.