Medicare Supplements

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Medicare Supplement Insurance policies complement your original Medicare plan and will pay some, if not all, of the expenses that Part A and B do not cover.

Expenses covered could be co-pays, coinsurance, deductibles and other excess charges.

There are many different types of Supplement policies available today and they are offered by many different carriers. However, these policies have all been standardized by the federal government, meaning that the benefits for these policies, known as Plans A through N, are all the same regardless of the carrier; the only difference is in the premium. Premiums vary depending on how the carrier prices the policy, which is dependent on different factors such as age or geographical location.

Informational Video

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Benefits:  The benefit information provided herein is a brief summary, not a comprehensive description of benefits and may contain inaccuracies. For more information contact the plan. Limitations, copayments, and restrictions may apply.
Contact form.  By providing information via our contact form, you agree that an authorized representative or licensed insurance agent/producer may contact you by telephone, email or mail to answer your questions or provide additional information about Medicare Supplement/Medigap Plans.
Agent:  Gardner & Company is a licensed insurance agency authorized to market health plans.  This is a solicitation for insurance.  Please note you have no guarantee issue. Offerings of insurance are made based only on submitted applications.


October 15th through December 7th

You can change your Medicare health insurance plan only during the annual open enrollment period listed above, or if you have a qualifying event.

You can enroll in a new Medicare Supplement plan only if you already have Parts A & B.


When open enrollment is closed, there are special circumstances in which one may qualify to enroll outside of the enrollment period.

-You are turning 65
-You move back to our out of the area
-You lose your current coverage
-Chronic Illness
-You require a SNP (Special Needs Plan)


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