Medicare Supplement Insurance Plans (Medigap)
What is a Medicare Supplement Plan?
Medigap, short for Medicare Supplement Insurance helps pay for the parts of your healthcare that Original Medicare doesn’t cover, like copayments, coinsurance, and deductibles. It's a smart way to protect yourself from unexpected medical bills, especially if you want predictable costs and nationwide access to care.
With a Medigap plan from Low-Cost Health Coverage, you get:
Help paying for out-of-pocket costs Medicare leaves behind
Access care from any doctor or specialist who accepts Medicare, anywhere in the U.S.
Get peace of mind with fewer surprises and no referral requirements.
Coverage that travels with you anywhere in the U.S.
Who qualifies for Medigap?
You can enroll in a Medigap plan if:
• You're currently enrolled in Medicare Part A (hospital) and Part B (medical).
• You’re age 65 or older.
• (In some states) You’re under 65 and qualify for Medicare due to disability or medical condition
Your best time to enroll is during your Medigap Open Enrollment Period, a 6-month window that begins the month you turn 65 and are enrolled in Medicare Part B. During this time, you can enroll without being denied for pre-existing conditions.
Compare Medigap Plan options
There are several types of Medigap plans. The most popular and widely available are:
Plan G - The most complete coverage
Plan G stands out as the most popular and well-rounded Medicare Supplement option. It covers nearly all out-of-pocket Medicare costs, except for the small Part B deductible.
It’s a great choice if you want full coverage and predictable costs. Plan G is widely available in most states.
Plan N – Great coverage with lower premiums
Looking for value? Plan N gives you great coverage at a budget-friendly price. It covers most expenses except the Part B deductible and requires small copays, up to $20 for doctor visits and up to $50 for emergency room visits if you’re not admitted.
It’s a solid option if you’re looking for a balance between coverage and savings.
High Deductible Plan G – Big savings, lower premium
High Deductible Plan G gives you the same benefits as standard Plan G, but with a much lower monthly premium and a higher deductible.
This plan is ideal if you prefer to keep your monthly costs down and only use your coverage when necessary.
* Other Medigap plans, such as Plan A, B, or K, may also be available depending on your location and eligibility. Our team is here to help you compare all your options and find the plan that’s the right fit for your health needs and budget.
Why choose a Medicare Supplement Plan?
Low-Cost Health Coverage makes Medicare simpler and stronger with Medigap
Powered by our partnership with Impact Health Sharing
At Low-Cost Health Coverage, we believe everyone deserves healthcare that’s simple, affordable, and built around their real needs. That’s why we’ve partnered with Impact Health Sharing to deliver a modern, flexible approach to Medicare Supplement coverage, giving you more support, more freedom, and greater value.
We’re not just your insurer, we’re your partner in health. Here’s what makes our Medigap plans better:
Comprehensive wellness support
Get up to $150/month in wellness credits you can use toward gym memberships, supplements, mental health services, acupuncture, massage, and more.
Predictable out-of-pocket limits
Once your Primary Responsibility Amount (PRA) is met, you pay only 10% of eligible medical bills—up to a set annual maximum per household.
Affordable plans for every budget
Save significantly on monthly expenses. Members often pay 30–50% less compared to traditional Medigap plans.
Prescription savings
Use your membership to get discounts on many common medications, no Part D plan required.
Flexible enrollment
Life doesn’t follow a calendar. That’s why our plans are always open for enrollment.
Community-powered care
Impact Health Sharing creates a community of members who support each other’s health expenses in a structured, transparent way.
Download your free Medicare Supplement Insurance guide
Discover how Medigap works, explore plan options, and learn the best time to apply, all in one simple, helpful guide.
Affordable healthcare, backed by real people who care
Built on trust and support
Impact Health Sharing has helped members share millions in eligible medical expenses, creating a strong, growing network of people helping people. Together, we’re reshaping what affordable healthcare can look like.
Strength in community
Thousands of members across the country trust this shared model of care to protect their health and their finances. As our community grows, so does the power and reliability of your coverage.
Commitment to members
We focus on real people, not just policies. That’s why our members stay because they know they’re getting a healthcare experience that’s personal, responsive, and focused on what matters most: peace of mind.
A mission-driven partnership
Our plans are grounded in values, transparency, service, and support. The Impact Health Sharing model reflects a shared belief in personal responsibility, fairness, and giving members more control over their healthcare journey.
The Low-Cost Health Coverage Medicare Promise
Feel confident in your Medicare choice.
We’re here to help you find the Low-Cost Health Coverage plan that fits your life. Just enter your ZIP code and tell us what matters most, like dental, extra benefits, or low premiums.
We're here to support your Medicare journey
Chat with us
Live chat is currently unavailable.
Please check back soon or give us a call for immediate assistance.
Call us
Call 1-818-481-9342 / TTY 711
Hours: 8 a.m. to 8 p.m., 7 days a week.
Important Information
1 Information provided by Low-Cost Health Coverage and Impact Health Sharing is based on current member data, experience reports, and publicly available sources. Reach out to our support team for more information.
2 Plan features and benefits are supported by ongoing feedback and internal analysis to ensure accuracy and transparency for members.
3 Members can visit any doctor or specialist who accepts Medicare patients. Always confirm Medicare participation before receiving services.
4 Continued membership is based on maintaining monthly contributions and following program guidelines.
5 Wellness benefits such as dental, vision, hearing discounts, telehealth, and wellness credits are offered through third-party partners. These are not insurance, may vary by location, and can change or end at any time.
6 Some Medigap plan options may only be available to individuals who became eligible for Medicare before January 1, 2020.
7 If you apply outside of your Medicare Supplement Open Enrollment or a Guaranteed Issue period, you may be subject to underwriting and may not be accepted into the plan.
FOLLOW US
COMPANY
CUSTOMER CARE
LEGAL
Copyright 2025. Low Cost Health Coverage. All Rights Reserved.