Medicare Supplement Insurance That Fills the Gaps Original Medicare Leaves Behind
How We Help You Choose the Right Plan Letter
Standardized Medigap plan letters — Plan G, Plan N, and others — are the same in terms of benefits regardless of which insurance company sells them. What differs is the monthly premium and the carrier's reputation for service and rate stability over time.
That's where independent guidance matters. We don't represent a single company. We compare rates and carrier history across our full network of A-rated insurers to help you find a plan that fits both your health situation and your budget.
Step 1: Review Your Current Coverage and Health Needs
We start by understanding how you use healthcare — how often you see specialists, whether you travel, and what your current out-of-pocket costs look like.
Step 2: Compare Plans and Carriers Side by Side
We pull quotes from multiple A-rated carriers and walk you through the differences in premium, plan letter, and long-term rate history — in plain language, not insurance jargon.
Step 3: Enroll With Confidence
We handle the paperwork and stay available after enrollment. If your needs change or a better option becomes available, we'll let you know.
Original Medicare covers a lot — but not everything. Deductibles, copayments, and coinsurance can add up quickly, especially if you need frequent care or face an unexpected health event. A Medicare Supplement plan, also called Medigap, works alongside your Original Medicare coverage to pick up many of those remaining costs, so you know what to expect when a bill arrives.
At PG Financial Group, we help Rhode Island and Massachusetts residents compare Medigap options across more than 15 A-rated insurance carriers — including Blue Cross Blue Shield of RI, Aetna, and UnitedHealthcare — so you're choosing a plan based on your actual needs, not just what one company happens to offer.
Original Medicare (Parts A and B) pays its share of covered services, then stops. What's left — the 20% coinsurance on most outpatient services, hospital deductibles, and skilled nursing facility costs — becomes your responsibility. Medigap plans are designed to cover some or all of those remaining costs, depending on the plan you choose.
Unlike Medicare Advantage, a Supplement plan works with any doctor or hospital that accepts Medicare nationwide. There are no networks to navigate and no referrals required. If your provider takes Medicare, your Medigap plan travels with you.
Benefits that Medigap plans can cover, depending on the plan letter:
- Medicare Part A hospital coinsurance and extended hospital costs
- Medicare Part B coinsurance or copayments
- Part A hospice care coinsurance or copayments
- Skilled nursing facility care coinsurance
- Part A and Part B deductibles (varies by plan)
- Foreign travel emergency coverage (up to plan limits)
What a Medicare Supplement Plan Actually Does for You
Plan G, Plan N, or Something Else — Which Is Right for You?
Most people enrolling in a Medicare Supplement plan today are choosing between Plan G and Plan N. Plan G offers broad coverage with predictable costs. Plan N has a lower monthly premium in exchange for modest copayments at the doctor's office and emergency room. The right choice depends on how often you use care and how much premium savings matters relative to cost certainty.
We also help clients understand how their Medigap plan fits alongside Medicare Part D prescription drug coverage, since Supplement plans do not include drug benefits. If you need help building a complete coverage picture — Supplement, Part D, and any financial assistance you may qualify for — we can walk through all of it together.
When to Enroll — and Why Timing Matters
The best time to enroll in a Medicare Supplement plan is during your Medigap Open Enrollment Period, which begins the month you turn 65 and are enrolled in Medicare Part B. During this window, insurance companies cannot use medical underwriting to deny coverage or charge higher premiums based on your health history.
Outside of this window, you may still be able to enroll — but carriers can review your health history and decline coverage or increase your rate in most states. We help clients understand exactly where they are in the enrollment timeline and what their options are, whether they're enrolling for the first time or reconsidering a plan they already have.
If you're also evaluating how Medicare Advantage compares to a Supplement plan, we've put together a straightforward comparison to help you think through both options.
Real Clients, Real Experiences
Proudly Serving Rhode Island and Massachusetts
What is the difference between Medicare Supplement and Medicare Advantage?
Medicare Supplement plans work alongside Original Medicare, helping cover costs like deductibles and coinsurance while allowing you to see any Medicare-accepting provider nationwide. Medicare Advantage replaces Original Medicare with a private plan that typically includes network restrictions and additional benefits. The right choice depends on your health needs, how you use care, and your budget.Medicare Supplement plans work alongside Original Medicare, helping cover costs like deductibles and coinsurance while allowing you to see any Medicare-accepting provider nationwide. Medicare Advantage replaces Original Medicare with a private plan that typically includes network restrictions and additional benefits. The right choice depends on your health needs, how you use care, and your budget.Can I keep my current doctor if I switch to a Medicare Supplement plan?
Yes. Medicare Supplement plans do not have provider networks. As long as your doctor accepts Medicare, they will accept your Medigap plan as well. This is one of the key reasons many people prefer Supplement plans over Medicare Advantage.Yes. Medicare Supplement plans do not have provider networks. As long as your doctor accepts Medicare, they will accept your Medigap plan as well. This is one of the key reasons many people prefer Supplement plans over Medicare Advantage.Is there a Medicare Supplement plan that covers prescription drugs?
No. Medicare Supplement plans do not include prescription drug coverage. You would need to enroll in a separate Medicare Part D plan to cover your medications. We can help you select and enroll in a Part D plan that works alongside your Medigap coverage.No. Medicare Supplement plans do not include prescription drug coverage. You would need to enroll in a separate Medicare Part D plan to cover your medications. We can help you select and enroll in a Part D plan that works alongside your Medigap coverage.What happens if I miss my Medigap Open Enrollment Period?
You can still apply for a Medicare Supplement plan outside your Open Enrollment Period, but insurance companies may review your medical history and can decline coverage or charge higher premiums in most states. There are some guaranteed issue situations — such as losing employer coverage — where you retain protections. We can help you understand your current rights based on your specific situation.You can still apply for a Medicare Supplement plan outside your Open Enrollment Period, but insurance companies may review your medical history and can decline coverage or charge higher premiums in most states. There are some guaranteed issue situations — such as losing employer coverage — where you retain protections. We can help you understand your current rights based on your specific situation.How much does a Medicare Supplement plan cost in Rhode Island?
Premiums vary based on the plan letter you choose, the insurance carrier, your age, and sometimes your location. Because we work with more than 15 A-rated carriers, we can compare current rates across the market and help you find the most competitive option for your coverage needs.Premiums vary based on the plan letter you choose, the insurance carrier, your age, and sometimes your location. Because we work with more than 15 A-rated carriers, we can compare current rates across the market and help you find the most competitive option for your coverage needs.
Ready to Compare Your Medigap Options?
PG Financial Group is based in Lincoln, RI, and licensed to serve clients throughout Rhode Island and Massachusetts. We work with residents across Providence, Pawtucket, Cranston, Warwick, Cumberland, and Central Falls — as well as communities across the Massachusetts border who want independent, carrier-neutral guidance on their Medicare coverage.
We offer consultations in English and Spanish, and we've spent more than 25 years helping families in this region make confident decisions about their health and financial security. Whether you're approaching Medicare for the first time or looking to revisit a plan that no longer fits, we're here to help.
You've worked hard to get to this stage of life. The coverage decisions you make now can affect your finances and your peace of mind for years to come. Let's make sure you're choosing from the full picture — not just what one carrier puts in front of you.
Call us at (401) 487-5077 or request a quote below to get started.
