As you approach retirement or continue navigating the world of Medicare, one term that likely pops up often is Medicare Supplement Insurance, also known as Medigap. With Original Medicare (Parts A and B), you’re covered for many essential healthcare costs, but not everything. That’s where a Medicare Supplement plan comes in and where a local, trusted expert like me becomes your most valuable ally. Whether you’re new to Medicare or reevaluating your existing plan, this guide will help you understand what Medigap is, why you might need it, and how working with a licensed Medicare insurance broker.
Best Medicare Insurance in beaverton
📍 Office Address: 15125 SW Ruby Ct, Beaverton, OR 97007
📞 Phone: +1 (503) 828-2328
📧 Email: wmichaeljarman@gmail.com
What is Medicare Supplement Insurance (Medigap)?
Medigap is private health insurance designed to supplement Original Medicare. While Medicare pays for a significant portion of your medical expenses, it doesn’t cover everything. You’re still responsible for things like:
- Deductibles
- Copayments
- Coinsurance
- Emergency care while traveling abroad
Medicare Supplement plans help cover these gaps — hence the name “Medigap.” These plans are standardized across most states and labeled with letters (A through N), with each offering a different set of benefits. For example, Plan G is one of the most popular options because of its comprehensive coverage.
Why You Need a Medicare Insurance Broker in Oregon
Navigating Medicare options on your own can be overwhelming. There are dozens of plans, numerous companies, and important enrollment deadlines. Making a decision without professional guidance can lead to overpaying for coverage or choosing a plan that doesn’t fit your needs.
Here’s where a licensed Medicare insurance broker like Michael Jarman of Michael’s Medicare Ministry comes in:
- ✅ Personalized Guidance: Michael takes the time to understand your health needs, budget, and preferences.
- ✅ Unbiased Advice: Unlike company agents who represent a single insurer, Michael is independent and works with multiple top-rated insurance carriers.
- ✅ Local Expertise: Based in Beaverton, OR, Michael knows the healthcare landscape in Oregon, including which plans are best suited for local doctors, hospitals, and pharmacies.
- ✅ No Extra Cost: Working with a broker doesn’t cost you extra. In fact, it often saves you money by helping you avoid costly mistakes.
When Should You Enroll in a Medigap Plan?
The best time to enroll in a Medicare Supplement plan is during your Medigap Open Enrollment Period, which starts the first month you’re 65 or older and enrolled in Medicare Part B. During this 6-month window:
- You can buy any Medigap policy sold in your state.
- Insurance companies can’t deny you coverage or charge you more due to pre-existing conditions.
If you miss this window, you may face medical underwriting or higher premiums. That’s why it’s crucial to talk to a Medicare expert early on.
Common Misconceptions About Medigap Plans
Many people confuse Medicare Advantage plans with Medigap, but they are not the same. Here are a few key differences:
| Feature | Medigap (Supplement) | Medicare Advantage (Part C) |
| Works with Original Medicare? | ✅ Yes | ❌ No (Replaces Original Medicare) |
| Network Restrictions? | ❌ None | ✅ Usually HMO/PPO Networks |
| Referrals Required? | ❌ No | ✅ Often Required |
| Covers Out-of-Pocket Costs? | ✅ Yes (Deductibles, Copays) | ❌ Limited coverage |
Michael helps you understand the fine print of both options so you can choose confidently.
Why Choose Michael’s Medicare Ministry?
Michael Jarman, founder of Michael’s Medicare Ministry, has built his practice on trust, transparency, and client-first service. He’s not just an insurance broker — he’s a Medicare educator and advocate who believes every Oregonian deserves clear, honest information about their health coverage.
With years of experience helping seniors and retirees in Beaverton and beyond, Michael provides:
- ✔️ One-on-one consultations
- ✔️ Free plan comparisons
- ✔️ Annual policy reviews
- ✔️ Support throughout the year — not just during enrollment
When you work with Michael, you’re not just buying a plan — you’re gaining a reliable partner in your healthcare journey.
Get Started Today
Making sense of Medicare Supplement plans doesn’t have to be stressful. With expert help, you can find the coverage that fits your needs and budget, without the guesswork.
Best Medicare Insurance in beaverton
📍 Office Address: 15125 SW Ruby Ct, Beaverton, OR 97007
📞 Phone: +1 (503) 828-2328
📧 Email: wmichaeljarman@gmail.com
Let Michael’s Medicare Ministry help you make informed, confident decisions about your healthcare future.
Frequently Asked Questions (FAQs)
Q1: What does a Medicare Supplement plan NOT cover?
A: Medigap policies generally don’t cover long-term care, vision, dental, hearing aids, or private-duty nursing. Michael can help you explore standalone options if you need coverage for those services.
Q2: Can I change my Medigap plan later?
A: Yes, but after your open enrollment period, insurers may require medical underwriting and could deny coverage or charge more based on your health. That’s why choosing the right plan initially is so important — and Michael can help with that.Q3: Is there a best Medigap plan in Oregon?
A: The “best” plan depends on your healthcare needs and budget. Plan G is a top choice for many due to its broad coverage. Michael provides personalized comparisons to help you choose what’s best for you.
