Medicare Supplement Insurance (Medigap)

Fill the Gaps. Secure Your Health. Simplify Your Future.

Original Medicare covers a lot — but not everything. That’s where Medicare Supplement Insurance, also known as Medigap, comes in.

At Harvey Insurance Solutions, we help seniors protect their retirement savings by covering what Medicare doesn’t — with top-rated Medigap plans from trusted carriers.

If you're enrolled in Medicare Part A and B, a supplement plan can give you peace of mind, predictable costs, and nationwide coverage without referrals or provider restrictions.

Medicare Supplements FAQ’s

  • Medicare Supplement plans help pay for the “gaps” in Original Medicare, including:

    • Part A and Part B deductibles

    • Copayments and coinsurance

    • Excess charges

    • Emergency medical care while traveling abroad

    With the right Medigap plan, you’ll know what to expect — and avoid surprise medical bills.

    • Keep your doctors — No networks or referrals required

    • Freedom to travel — See any provider that accepts Medicare, nationwide

    • Predictable costs — Avoid unpredictable out-of-pocket expenses

    • Lifetime renewability — Keep your plan as long as you pay your premiums

    • Pair it with a Part D Plan — Get full medical and prescription coverage

  • A Medigap plan is ideal if you:

    • Visit doctors or specialists frequently

    • Want to avoid co-pays and deductibles

    • Travel or live in more than one state

    • Prefer flexibility over managed care

    • Want stable, long-term coverage with fewer surprises

    If you're healthy now, it’s smart to enroll while you're eligible — you may not be able to qualify later if your health changes.

  • Your best time to enroll is during your Medigap Open Enrollment Period, which begins the first month you're 65 or older and enrolled in Medicare Part B. During this time, you can't be denied coverage or charged more due to pre-existing conditions.

    After this period, medical underwriting may apply — so don’t wait.

    • Independent & Unbiased — We represent many A and A+ rated carriers

    • Weekly-Trained Agents — Our team stays current on all Medicare updates

    • One-on-One Guidance — We take the time to understand your health and budget

    • Personalized Support — From plan selection to claims questions, we’re here for you

    We don’t pressure. We don’t push. We help you understand.

Let’s Fill the Gaps in Your Coverage

Choosing a Medicare Supplement plan doesn’t have to be complicated. We’ll walk you through every option and help you make the right decision — not just the easy one.

Harvey Insurance Solutions

Trusted. Local. Independent.
Your Medicare, made simple.