Medicare Supplements

Stop Guessing What Your Healthcare Costs Will Be

Original Medicare is a great start, but the "gaps"—like co-pays, coinsurance, and deductibles—can leave you with a bill you didn't see coming. At Palmer Insurance, we specialize in Medicare Supplement insurance (also known as Medigap) to help you get the predictable healthcare costs you deserve.

Instead of worrying about the 20% that Medicare doesn't cover, a Supplement plan lets you see any doctor that accepts Medicare, anywhere in the country. No networks, no referrals, just coverage.

Why Seniors Choose a Supplement Plan:

• No Network Restrictions: You keep your doctors in your city or anywhere else in the US, as long as they take Medicare.
• Budget Certainty: You pay a monthly premium so that your out-of-pocket costs at the doctor or hospital are virtually eliminated.
• Guaranteed Renewability: As long as you pay your premium, your coverage cannot be canceled, even if you develop health issues later.

How We Help You Choose 

Medicare plans vary by state and zip code. Whether you are in Indiana, Ohio, Kentucky, Massachusetts, or Florida, we compare the top-rated carriers in your specific area to find the lowest premium for the exact same coverage.

Why Work With a Local Agency?

Most seniors feel overwhelmed by the piles of mail they receive when they turn 65. As a local insurance agency, our job is to filter out the noise. We don't just sell a policy; we make sure your plan fits your specific budget and lifestyle.

• Personalized Rx Analysis: We check your current medications against plan options to ensure you aren't overpaying.
• Multi-State Licensing: If you spend your winters in Florida but live in Indiana or Ohio, we ensure your coverage follows you seamlessly.
• Decades of Experience: We’ve helped thousands of seniors navigate the "alphabet soup" of Medicare Parts A, B, C, and D.

Common Questions About Medigap

What is the best time to enroll in a Medicare Supplement plan?

The best time is during your Medigap Open Enrollment Period. This begins the first day of the month you are both 65 or older and enrolled in Medicare Part B. During this time, insurance companies cannot deny you coverage or charge you more for pre-existing conditions.

Do these plans work the same in Indiana, Ohio, and Florida?

While the basic benefits of Medigap plans (like Plan G or Plan N) are standardized by the government, the monthly price can vary significantly depending on where you live. We provide specific quotes for your county to ensure you are getting a competitive rate.

Will I need a separate plan for my prescriptions?

Yes. Medicare Supplements do not include prescription drug coverage. We typically pair your Supplement plan with a standalone Part D plan to ensure your medications are covered at the lowest possible cost.

Why should I use Palmer Insurance instead of calling the insurance company directly?

When you call a big insurance company, they can only tell you about their own products. When you call us, we represent multiple highly-rated carriers. We work for you, not the insurance company, to find the plan that actually fits your needs.