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Medicare Supplement Insurance

Get help with unexpected medical costs that aren't covered by Medicare with supplemental coverage. Speak with an expert on medicare supplement insurance today.

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What is Medicare Supplement Insurance?

Medicare supplement (Medigap) insurance can help pay some of the health care costs that original Medicare does not cover, like copayments, coinsurance, and deductibles.

Some Medigap policies also offer coverage for services that Original Medicare doesn't cover, like medical care when you travel outside the U.S. If you have Original Medicare and you buy a Medigap policy, Medicare will pay its share of the Medicare-approved amount for covered health care costs. Then your Medicare supplement insurance policy pays its share.

A Medigap policy is different from a Medicare Advantage Plan. Those plans are ways to get Medicare benefits, while a Medigap policy only supplements your Original Medicare benefits.

Important Things to Know About Medicare Supplement Coverage

  • If you have a Medicare Advantage Plan, you can apply for a Medigap policy, but make sure you can leave the Medicare Advantage Plan before your Medigap policy begins.
  • You pay the private insurance carrier a monthly premium for your Medigap policy in addition to the monthly Part B premium that you pay to Medicare.
  • A Medigap policy covers one person. If you and your spouse both want Medigap coverage, we'll work with you to setup two separate policies.
  • Any standardized Medigap policy is guaranteed renewable even if you have health problems. This means the insurance company can't cancel your Medigap policy as long as you pay the premium.

Contact us to learn more about the right Medicare Supplement Insurance coverage for you.
(510) 832-9888
212 Ninth St #311
Oakland, CA 94607​
Click Here to Email Us
Medigap Insurance Quote
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KHL Financial & Insurance Services
212 Ninth St #311
Oakland, CA 94607
(510) 832-9888​
Click Here to Email Us

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CA Lic No: 0729204, Thomas Lim, Oakland, CA


Disclaimer: Rates on this website are subject to change without notice. Final rates are always determined by the insurance company. Any reference to the word guarantee is based on the cliams paying ability of the underlying insurance company. Investments are not FDIC-insured, nor are they deposits of or guaranteed by a bank or any other entity, so they may lose value. This web site may contain concepts that have legal, accounting and tax implications. It is not intended to provide legal, accounting or tax advice. You may wish to consult a competent attorney, tax advisor, or accountant. Privacy Statement: This website is a private website and is not associated, endorsed or authorized by the Social Security Administration, the Health Care Financing Administration, the Department of Health and Human Services or the Center for Medicare and Medicaid Services nor do we claim to be. This site contains basic information about Medicare, services related to Medicare and services for people with Medicare. If you would like to find more information about the Government Medicare program please the Official US Government Site for People with Medicare located at www.medicare.gov.