Why Must You Choose A Medicare Supplement [Medigap] Plan? 

Choosing a Medicare Supplement (Medigap) plan is a decision of great importance, especially as one enters the senior citizen phase of life. These plans are designed to bridge the gap in coverage that Original Medicare may leave behind, offering peace of mind and financial security in the face of healthcare expenses. 

Jason Rubin Insurance Services has been offering the residents of Woodland Hills in CA advice on the kind of healthcare insurance to choose for their senior years. They can tell you why opting for Medicare Supplement Plans can be a prudent choice.

Cost-Sharing Coverage

First and foremost, Medigap plans to provide a safety net against unexpected medical costs. Our healthcare needs will possibly increase as we age. This can impact healthcare expenses substantially. Original Medicare Plan did not cover some expenses, which the beneficiary had to take care of from their pocket. It was a financial burden, so some beneficiaries ignored healthcare. 

The Medigap plan is designed to cover expenses not covered in the original Medicare. This allows beneficiaries to pay attention to their health and well-being. They don’t have to be concerned about the financial tension of medical bill payments.


Medigap plans offer flexibility in choosing healthcare providers. The Original Medicare restricts you to work with a pre-defined network of doctors and hospitals. 

Conversely, Medigap plans allow you to visit any healthcare provider that accepts Medicare. This gives you the freedom to continue seeing the doctors you are comfortable with and seek specialized care whenever needed, without the hassle of referrals or network limitations. This is extremely helpful if you travel frequently or spend time in different locations.

Predictable Expenses 

Healthcare costs can turn volatile, especially for seniors. It can greatly differ from one year to another. If you enroll in a Medigap plan, it becomes easy to evaluate healthcare expense and budget accordingly.

Gaining an awareness of how much to expect is helpful to retirees, who live on a fixed income. It helps in planning your future and maintaining financial stability. You’ll know in advance what your out-of-pocket costs will be, which can bring peace of mind.

Comprehensive Coverage Options

Several Medigap plans are available and each one offers you a different level of coverage. You can choose a plan that is suitable to your specific healthcare needs and budget.

Guaranteed Renewable & Stability

If your monthly premiums are paid diligently, your Medigap plan is guaranteed renewable. This means, you can keep your coverage without fear of losing it due to health issues. Besides, Medigap plans provide stability in coverage. You won’t have to worry about changing benefits every year as you may need to with other types of health insurance.


Medigap plans are standardized, so it becomes easy to compare options and understand what each plan covers. This transparency helps you make informed decisions about your healthcare coverage.

Supplemental Benefits

Some Medigap plans may offer additional benefits, such as coverage for foreign travel emergencies or preventive services that aren’t covered by Original Medicare.


Remember, the chosen Medigap plan will determine the benefits and coverage level. So, carefully review and compare different plans to find the one that supports your healthcare needs and penchants. 

You can consult a qualified insurance agent, who will suggest the most suitable Medigap plan for your specific situation. With an informed healthcare coverage choice you can confidently enjoy your senior years!


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