Medicare Supplements
Fill the gaps in Original Medicare with a supplement plan that fits your care needs and gives you more predictable costs.
Original Medicare (Parts A & B) covers a lot — but not everything. Deductibles, coinsurance, and copays can add up fast. A Medicare Supplement (Medigap) plan helps cover those gaps, so you know more clearly what to expect instead of being surprised by a bill.
Who this is for
Turning 65
New to Medicare and want to understand your supplement options before you enroll.
Want predictable costs
Prefer knowing roughly what you'll owe instead of facing surprise medical bills.
Want provider freedom
Prefer the ability to see any doctor who accepts Medicare, nationwide, without network restrictions.
Reviewing current coverage
Already have a Medigap or Medicare Advantage plan and want a second look at whether it's still the best fit.
How Luke helps
1Explain your timing
Medigap enrollment timing matters — Luke helps you understand your personal enrollment window so you don't miss it.
2Compare plan letters
Medigap plans are standardized by letter (A–N) — Luke explains what each actually covers in plain English.
3Shop multiple carriers
Since coverage is standardized by plan letter, price and service are often what differ most between carriers — Luke shops that for you.
4Stay available year-round
Questions come up after enrollment too — Luke remains your contact, not a one-time call center.
Common questions
What's the difference between Medigap and Medicare Advantage?
Medigap works alongside Original Medicare to help cover its gaps, with broad provider access nationwide. Medicare Advantage is a different, separate way to get your Medicare benefits, often through a network. Luke can walk you through which approach fits your situation.
When can I enroll in a Medigap plan?
Your best enrollment window is typically tied to when you first enroll in Medicare Part B — timing matters for guaranteed acceptance, so it's worth talking to Luke as soon as you're considering it.
Is there a cost to work with Luke?
No. Luke's guidance is always free to you — he's compensated by the carrier, not by you.
Let's find your Medicare Supplement.
Get a free, personalized quote, or talk it through directly with Luke.