Works with Original Medicare
A client generally must have Medicare Part A and Part B. Medicare pays first, then the Supplement plan helps pay its share.
Medicare Supplements
Medicare Supplement plans with clear guidance.
Medicare Supplement plans — also called Medigap — help pay certain out-of-pocket costs that Original Medicare does not fully cover. They work alongside Original Medicare, not in place of it. We help you compare options and understand which may fit your situation.
Speak with an Agent
Standardized plans meanSame benefitsacross carriers — so we can compare on price alone.
Medicare Supplements
What Medicare Supplement plans may include
Medicare Supplement plans help cover costs Original Medicare leaves behind. Coverage varies by plan, but may include Part A and Part B coinsurance, hospital costs after Medicare benefits are used, and more.
- Medicare Part A coinsurance
- Medicare Part B coinsurance or copayments
- Hospital costs after Medicare benefits are used
- Part A hospice care coinsurance or copayments
- Skilled nursing facility care coinsurance, depending on the plan
- Medicare Part A deductible, depending on the plan
- Medicare Part B deductible for certain eligible plans no longer available to newly eligible beneficiaries
- Medicare Part B excess charges, depending on the plan
- Blood, usually the first three pints, depending on the plan
- Foreign travel emergency coverage, depending on the plan
The Essentials
Important points to understand
Separate drug coverage
Supplement plans do not usually include prescription drug coverage, so clients may need a separate Part D plan.
No dental, vision, or hearing
These plans do not usually include dental, vision, or hearing benefits — additional coverage can fill those gaps.
Standardized but priced differently
Plans are standardized in most states, but prices vary by carrier, age, location, tobacco use, and household discounts.
Enrollment timing matters
Medical underwriting may apply outside certain enrollment periods, so timing can affect eligibility and cost.
Is It Right for You?
Why someone may choose a Medicare Supplement plan
- They want more predictable medical costs.
- They want flexibility to see providers who accept Medicare.
- They travel often within the United States.
- They prefer Original Medicare with additional cost protection.
- They want less concern about network restrictions.
- They are willing to pay a monthly premium for added peace of mind.
Our Role
How Wellspring helps
- We explain how Medicare Supplement plans work.
- We compare available plan options.
- We help review monthly premiums.
- We explain what each plan may help cover.
- We discuss whether a separate Part D plan may be needed.
- We help clients understand enrollment timing.
- We provide support before and after enrollment.
Common Questions
Supplement questions, answered
Still unsure? A licensed Wellspring agent will walk you through it — no cost, no pressure.
Ask an AgentAdvantage or Supplement — which is better?
Neither is universally better. Supplements cost more monthly but offer broad access and predictable bills; Advantage costs less but uses networks. We help you weigh the trade-off for your life.
Do supplements cover prescriptions?
No — Medigap doesn’t include drug coverage, so you’d add a standalone Part D plan. We set both up together so nothing falls through the cracks.
Why do prices differ for the same plan?
Plan G from one carrier covers the same things as Plan G from another — only the price and service differ. That’s exactly why carrier-neutral comparison saves you money.
4.9(5,008 reviews)Google Business ProfileCare. It’s what sets us apart.
Explore real stories from clients who have used our Medicare services. Their honest feedback shows how we’ve made a difference in their lives.
Speak with an Agent
Kevin FoleyJun 11, 2026
Mr Dixon was very helpful at determining my eligibility to the program. His professionalism made my call quick and easy, even though there was a lot of information that was covered.
Karla GrigsbyJun 10, 2026
Demetrius rocked!! Hooked me up wit great benefits and he was so polite and respectful.
Erion S RosemondJun 4, 2026
Agent was very polite and professional. He did not pressure me to choice a plan. He presented and discussed the plan very well.
David PaezJun 3, 2026
Felicia Gilbreath was very courteous & caring.
Thaddeus PlummerMay 26, 2026
Very professional and knowledgeable and his job.
kenneth norrisMay 20, 2026
Great understanding, very directional in every aspect.
Sandra “Sandi” KingMay 19, 2026
Great followup. Thank you.
Ruth GagoMay 7, 2026
Everything sounds good. Thanks
Are you an employer?
Explore Wellspring →Want to see how we help employers save over $7,000 per year, per employee on their insurance?