Medigap

What is a Supplement/Medigap?

Original Medicare does not cover everything. For instances, deductibles for Parts A and B, coinsurance of 20%, and prescription drugs. To reduce or eliminate those costs and gain prescription coverage, a Medigap policy and stand-alone Prescription Drug Plan can be purchased by private insurance companies.

Features of Medigap Policies:

  • Must have Medicare Parts A and B to enroll
  • No networks. Any doctor that is Medicare certified in the country
  • No referrals from primary doctor to specialists
  • Offers Plans set by Medicare and they do not change
  • Plans have a monthly premium and are adjusted yearly
  • Some plans like G do not have any copays after the Part B deductible is paid
  • Some emergency international travel included

Medicare Advantage Plan vs Medigap

Finding the right fit for your medical and financial needs is an important part of choosing any supplement to Original Medicare.

Bayside Health Benefits offers a Certified Medicare Insurance Planner™ to find the right fit for your needs. We work with ELEVEN insurance companies to diligently search for a health plan that meets your needs. In addition to the insurance company, we are available all year to service your policy by helping you understand its benefits and know how to use them.

Do I pay you for your services? Why should I use a broker/agent?

  • No. We are paid by the insurance company.
  • Access to knowledgeable, Certified Medicare Insurance Planner™
  • Guide to enrollment timeline and penalty avoidance
  • Help finding the right plan for your medical/financial needs
  • Saves confusion and research time of doctors and RX
  • Knowledge about multiple carriers, not just one
  • Navigation of policy benefits
  • Agent/broker services your policy in addition to the carrier

Option 1 - Medigap

  • No Networks
  • No Referrals
  • Part B Deductible, $226
  • No Copays
  • International Travel
  • RX coverage SEPARATE

Option 2 - Medicare Advantage

  • PPO, HMO Networks
  • Referrals required on most HMO’s
  • Similar to Employer Coverage
  • Copays, OPM
  • Dental, Vision, Hearing, OTC, Gym, DSNP, CSNP, Givebacks
  • RX coverage INCLUDED

EXPLORE YOUR MEDICARE OPTIONS

Voices of Our Community

“For 15 years, we’ve referred our employees to Dayna for Medicare guidance. She consistently goes above and beyond to support our team, bringing a personalized touch to every interaction, taking the time to understand each employee’s current coverage, medical needs, and financial situation, and then matching them with a Medicare plan that best fits their individual circumstances. Her expertise and dedication have made her an invaluable resource for our organization.”

– Jason A., Benefits Assistant Manager, SouthEast Personnel Leasing, Inc.

“Dayna has become an essential partner to our assisted living communities. Her Medicare expertise and caring approach help residents and families understand their options with confidence, while her support for our administrators—resolving billing issues, coordinating care, and ensuring access to benefits—saves us time and improves quality of life. She’s truly an extension of our team.”

– Brooke B., Chief Executive Operator, LPS Healthcare Solutions

“Dayna is absolutely the best insurance agent!! She helped me navigate plans for Medicare efficiently, effectively and swiftly. She is knowledgeable, caring and follows through. I highly recommend her to anyone looking for the best!”

– Lisa H., Medicare-Covered Client

Read More Reviews

Free Tuesday Medicare Webinars

Every Tuesday at 11:30 AM, we host a free Medicare education session open to anyone who wants to understand their options before making a decision.

To speak with a licensed agent call (352) 999-2727 or

Register for the Free Webinar