DIscover the Benefits of Medicare Supplement Plans

Strengthen Your Medicare Coverage With Flexibility, Stability, and Peace of Mind

Discover Coverage That Fits Your Lifestyle

While AEP is often associated with reviewing Medicare Advantage or Prescription Drug Plans, it’s also an excellent time to explore Medicare Supplement (Medigap) options. Especially for those that are on Medicare Advantage plans that will be cancelling coverage at year end. You all have a Golden Ticket into a MediGap Plan.

At Beuttel Insurance, we help you compare updated plan options each year — since costs and benefits can change.

For those who enjoy an active lifestyle — whether hiking Sierra Foothills trails, taking fitness classes, or spending part of the year in another state — a Medicare Supplement plan offers flexibility and consistency. With the right plan, you can focus on your health and keep enjoying what makes this region special, all with the confidence of predictable costs and dependable access to care.

Key Takeaways

• It’s AEP season — a perfect opportunity to review your Medicare coverage and consider how a Medicare Supplement (Medigap) plan can strengthen your protection.
  
  
• Medigap plans work alongside Original Medicare (Parts A & B) to help cover out-of-pocket costs such as copays, coinsurance, and deductibles.
  
  
• Top reasons to consider Medigap: freedom to see any Medicare-accepting provider, no prior authorizations, predictable costs, nationwide access, and long-term stability.
  
  

Why Beuttel Insurance: As your local Gold Country resource, we simplify Medicare, explain your options clearly, and help you find coverage that matches your lifestyle, health goals, and budget.



Why Medicare Supplement Plans Should Not Be Overlooked

Original Medicare covers a lot, but not everything — and those out-of-pocket costs can add up quickly. A Medicare Supplement (Medigap) plan helps fill those financial gaps so you can stay focused on your health and well-being, not surprise medical bills.

How a Medigap Plan Can Help You:

• Hospital costs: In 2025, Medicare requires a deductible before hospital coverage begins, and coinsurance increases the longer you’re admitted. Many Medigap plans help cover these expenses.
  
  
• Skilled nursing care: After 20 days in a skilled nursing facility, Medicare begins charging daily fees. Certain Medigap plans can help offset these costs.
  
  
• Doctor visits & outpatient care: Medicare typically pays 80%. Medigap helps cover the remaining 20% so ongoing care doesn’t strain your budget.
  
  
• Travel protection: Many Medigap plans include limited foreign travel emergency benefits — ideal for those who travel, take family trips, or head south in the winter.
  

The Freedom to Choose the Care You Trust

Reliable Access to Care— Without Delays

Stable, Long-Term Coverage You Can Count On

Nationwide Coverage Without Restrictions

If you love to travel, explore, or split your time between states, Medicare Supplement plans offer nationwide coverage with no HMO network limits.



Perfect for an Active Lifestyle:

• Snowbirds and seasonal travelers. Spend time in multiple states? You can see doctors and hospitals wherever you go — no plan switching required.
  
  
• RV and road travelers. Whether you’re taking cross-country trips or exploring California’s scenic byways, you’re covered anywhere Medicare is accepted.
  
  
• Confidence on the move. Emergencies don’t wait for networks — Medigap ensures you can access care anywhere in the U.S.

Things to Consider When Choosing a Medigap Plan

• Prescription drug coverage.  Medigap plans don’t include prescription benefits. Pair your plan with a standalone Part D.
  
• Extra wellness benefits. Medigap doesn’t include dental, vision, or hearing coverage — but you can easily add separate plans for those services. Our team can help compare simple, affordable options.
• Monthly premiums. Medigap premiums average around $150 per month in 2025. While often higher than Medicare Advantage, this reflects the added stability, flexibility, and nationwide access.
  

When to Enroll in a Medicare Supplement Plan

Your Medigap Open Enrollment Period begins the month you’re 65 and enrolled in Medicare Part B. This six-month window gives you guaranteed issue rights — you can’t be denied or charged more based on health conditions.

If you miss this window, you can still apply later, but insurers may require health questions and could charge higher premiums.



• General Enrollment (Jan 1–Mar 31): If you enroll in Part B during this time, you can apply for Medigap, but guaranteed rights may not apply.
  
  
• Annual Enrollment (Oct 15–Dec 7): This applies to Medicare Advantage and Part D plans only — you can’t change or enroll in Medigap unless you qualify for special rights.

Is a Medicare Supplement Plan Right for You?

If you’re new to Medicare or reviewing your options during AEP, this is an ideal time to explore whether a Medigap plan aligns with your health needs and lifestyle.

At Beuttel Insurance, we take the time to get to know you — helping you understand your choices, balance cost and coverage, and feel confident in your healthcare decisions.



Call (530) 303-3366 or visit beuttelinsure.com to schedule your review today.