Many people face serious medical conditions like heart disease, cancer, or diabetes as they get older. These health challenges usually come with a long list of follow-up treatments, regular check-ins with specialists, and more. If you live in a smaller town like La Crosse, Indiana, it can be very difficult to find and afford the right care because your access to qualified doctors could be limited. Instead of waiting until a health crisis forces your hand, it’s better to be fully prepared in advance.

Original Medicare gives you a strong base of coverage, but it does not cover everything. And this is the value of a Medicare Supplement, or “Medigap” plan. Below, this supplemental insurance broker in La Crosse, Indiana is going to explain how these plans can support your health as you grow older.

You might be surprised by what Medicare does not cover.

Original Medicare is divided into two main parts. Part A covers hospital stays, and Part B covers doctor visits, outpatient care, and other medical services. But together, Parts A and B only cover around 80% of approved medical costs, and you’ll have to pay the other 20% yourself. Unfortunately, Medicare does not cap how much that 20% could be. For example, if your surgery costs $25,000, you are looking at a $5,000 bill that you will have to pay out of your own pocket.

In 2025, the Part A hospital deductible is $1,676 each time you are admitted to the hospital. The Part B deductible is $257 per year. But the biggest cost comes from the 20% coinsurance you must pay for services like outpatient surgery, imaging tests, physical therapy, and even regular doctor visits. So, if your health requires ongoing treatment (like chemotherapy, dialysis, or post-operative care), your costs will accumulate fast.

Medigap plans can soften that financial burden by covering expenses that would otherwise come out of your own pocket. An experienced supplemental insurance broker in La Crosse, Indiana can explain your choices and help you find a Medigap plan for your health needs and budget.

Medigap plans give you the freedom to see the doctors you trust.

Chronic conditions like stroke, cancer, or heart disease usually mean seeing specialists on a regular basis. But depending on where you live, getting to those specialists can involve a lot of travel.

Original Medicare does not provide travel support, and certain Medicare Advantage plans also have network restrictions that limit where you can receive care. But Medigap plans don’t have provider networks, and you can see any doctor or specialist in the U.S. that accepts Medicare. This is what makes Medigap plans excellent for when you need access to high-quality hospitals or medical centers outside your immediate area.

Comparing plans can help you save money.

All Medigap plans with the same letter provide identical core benefits no matter which company sells them. So, for example, Plan G will give you the same medical coverage whether you buy it from one company or another. The main differences you will see between companies are in the premiums you will pay and their quality of customer service.

Plan G is one of the best choices for people who visit doctors frequently or require regular treatments. It basically covers everything except the Part B deductible. So, if you are at the doctor’s office multiple times a month or have ongoing treatments, this plan can save you the most money.

Plan N has lower monthly premiums, but you may have to pay small copays when you see your doctor or go to the ER. Still, if you are someone who does not visit the doctor frequently but wants to be protected in case of a serious illness or hospital stay, Plan N is a suitable option.

Your local supplemental insurance broker in La Crosse, Indiana can help you compare your available plans and match you with a plan that complements both your health situation and financial priorities.

Looking for a Supplemental Insurance Broker in La Crosse, Indiana?

Are you searching for a reliable supplemental insurance broker in La Crosse, Indiana who can help you explore your Medicare Supplement options? If so, our agents at Senior Care Insurance Services are here to help. We can explain your options clearly and help you find Medigap coverage that truly supports your lifestyle and medical needs. Contact us today to get started.