Medicare Supplement Insurance Explained: Medigap, Plan G and Plan N (2026)

Medicare Supplement insurance — Medigap — is the part people get confused about most. It is not Medicare Advantage, the plans are named by letters that have nothing to do with Part A or Part B, and the window to buy one without health questions opens exactly once. David Heitner walks through how a Supplement actually works, what Plan G and Plan N cover, and the six-month window that does not come back. In this video: 0:00 - What a Medicare Supplement is 1:00 - How it works alongside Original Medicare 1:40 - Medigap is not Medicare Advantage 2:37 - The plan letters, and why Plan A is not Part A 3:42 - Plan G: what it covers 4:43 - Plan N: the trade-off 5:49 - Plan F, and who can still get it 6:30 - What Medigap does not cover 7:15 - Doctor access and networks 8:06 - Medigap Open Enrollment: six months, once 9:30 - Changing plans later 10:14 - Why price is the thing that varies 10:58 - Putting the pieces together 11:43 - Where we go from here This is Episode 4 of an ongoing series. Episode 1 covers the foundation, Episode 2 goes deeper on Part A, and Episode 3 covers Part B. The 2026 figures used in this video: Part B deductible, which Plan G does not cover: $283 Plan N office visit copay: up to $20 Plan N emergency room copay: up to $50 Medigap Open Enrollment: 6 months, starting the first month you are 65 or older and enrolled in Part B All figures are 2026 amounts and change each year. FREE GUIDE - Medicare Insurance Basics (PDF): https://drive.google.com/file/d/1GHbM... More Medicare resources: https://heitsbenefits.com/medicare/?u... Questions about your own situation: Call or text (201) 647-2095. Heits Benefits Group does not offer every plan available in your area. Any information provided is limited to the plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options. Not connected with or endorsed by the U.S. Government or the federal Medicare program. David Heitner, National Producer Number 2098121 #Medicare #Medigap #MedicareSupplement #PlanG #PlanN #Medicare2026 #TurningSixtyFive #HeitsBenefits Securities and advisory services offered through Independent Financial Group, LLC (IFG), a Registered Investment Adviser. Member FINRA/SIPC. Heits Benefits Group and IFG are unaffiliated entities. OSJ Branch: 12671 High Bluff Dr. Suite 200. San Diego, CA 92130 IFG Registered Representatives associated with this website may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. Some insurance products are offered outside of the existing Broker Dealer relationship. The information provided is from sources believed to be reliable however, we cannot guarantee or represent that it is accurate or complete. Because situations vary, any information provided on this site is not intended to indicate suitability for any investor. Hyperlinks are provided as a courtesy and should not be deemed as an endorsement. When you link to a third-party website you are leaving our site and assume total responsibility for your use or activity on the third-party sites.