• 1-844-827-7296
  • (956) 685-5181
  • 607 W Interstate 2 Ste B, Pharr, Texas
We will help you compare plan options

Medicare SUpplement

We can answer your questions, help you compare plan options, and give you information about how to enroll in a Medicare Supplement (Medigap). Call our office or fill out the request form.

What Is a Medicare Supplement (Medigap) Plan? 

Original Medicare, Parts A and B, pays for many of your health-care services, but it doesn’t pay for everything. A Medicare Supplement Insurance (Medigap) policy helps pay some of the health care costs that Original Medicare doesn’t cover, like:

  • Copayments     
  • Coinsurance
  • Deductibles

Medigap policies are sold by private companies. These private companies make their profits from the premiums and not from CMS like Medicare Advantage do.  The older you get, the higher the premium.  Expect the monthly premium to go up every year. 

Medigap policies have many benefits:

  • During Open Enrollment or Guarantee Issue period one can enroll in any Medigap plan with no questions asked.
  • No networks. You can see any doctor who accepts Medicare anywhere in the USA
  • Coverage when you travel outside the U.S. (minus a deductible and co-insurance)
  • Many of these plans have no copay nor deductibles
  • Guarantee renewal as long as you pay your monthly premium.
  • Able to switch to another MediGap plan at any time as long as you medically qualify.


  • The Part B premium needs to be paid.
  • No part D plan. Part D plan need to be purchase separately.
  • No extra Benefits. Dental, Vision or other items is not included
  • Price increase every year.
  • Does not cover Long-term Care

What benefits do Medigap policies cover?

Currently, there are 10 standardized Medigap plans, each represented by a letter (A, B, C, D, F, G, K, L, M, N.  The benefits of each plan with the same letter are the same despite the insurance company. Each company sets its own premium.  Premium is the only thing that varies among these plans. For example, Plan G benefits are the same in Texas as they are in Florida but the price is different.

In general, Medigap policies cover the following benefits:


Is a Medigap the best Medicare Plan available?


Please don’t be lure by agents or agencies who only offer one Product.

MediGaps Sales agents have these fancy websites and YouTube videos telling to spend your money only on a Medigap.  They don’t sell Medicare Advantage Plans and many don’t even sell the Part D plans.  These people use the Scary Tactics to lure you into buying a Medigap and trash other products.  They try to scare you with talk to you about high deductible, Doctors leaving the network and the hassle of paying co-pays. 

They agents are offering the product which requires the least service for them and the most expensive for the client.  They don’t want to deal network or formulary issues. They don’t want deal with the customer During the Annual Enrollment Period (AEP).  Walk away from Agents that only offer Medigaps and who have bias opinions. 

Important questions before making a decision:

  • Can I offer it or I am in a budget?
  • I am Healthy or I am too sick?
  • Do I travel too much or not?
  • Do my doctors participate in the programs or not?

Many beneficiaries are paying too much for a product that they are not even using.  Is like having a Cadillac in the garage when other vehicles can do the same job at a much lower cost.

Spending money on a Medigap could be a good decision.  That decision should be made after all the other options are compared. Before you make a decision on a Medigap, learn about a MSA, or a PPO.

Guarantee Issue.

We have great Guarantee Issue strategies that will guarantee you to save money. Let us show you how this strategies help you guarantee a Medigap at a lower price. Take control of your money.

Fill out the request form

About us

We are an independent insurance broker and offer a wide range of products in order to meet all your insurance needs.  If you are looking for Medicare, Life Insurance or an Annuity, we can help you.

Contact Us

  • (956) 685-5181​
  • 607 W Interstate 2 Ste B, Pharr, Texas​
  • gamboa.trs@gmail.com