Medicare Supplement Insurance

When you’re retired, managing expenses takes on a new level of importance, particularly medical expenses. Even with Medicare coverage, an unexpected health event can put your savings at risk. A Medicare Supplement Insurance policy from SGIC offers financial security and peace of mind – it helps you pay out-of-pocket costs for Medicare-approved services and works hand-in-hand with Medicare to provide more insurance coverage.


  • Choose the plan with the benefits, premium, and out-of-pocket expenses (e.g., copays and coinsurance) that best fits your health care and financial needs
  • No restrictive networks – go direct to your preferred health care providers, including specialists and specialty hospitals
  • Benefits stay the same year after year – plans are standardized and conform to exact benefits and features required by both federal and state government
  • Guaranteed renewable with no worries of reduced benefits or cancelled coverage for the life of the policy, as long as premiums are paid on time


  • People who are 65 or older and enrolled in Medicare Part B
  • In some states, people under age 65 with a disability and/or end-stage renal disease (plan offerings and eligibility vary by state)


SGIC offers Medicare Supplement Plans A, B (in some states as required by law), F, G, and N. Plan A provides basic benefits, while plans B, F, G, and N offer more comprehensive coverage with benefits and features designed to meet different needs. Premiums vary according to the amount of coverage provided by a specific plan, as well as by age and where you live.

Here are the benefits that are included with each plan:


Plan A

Plan B

Plan F

Plan G

Plan N*

Basic benefits (including hospice care)

Part B coinsurance

Part A deductible

Skilled nursing facility coinsurance

Foreign travel emergency

Part B excess charges

Part B deductible

*Plan N requires $20 copayment for office visits; $50 copayment for emergency room visits. Copayments do not count toward the annual Part B deductible.

Medicare Supplement Insurance plans are standardized; however, all of the standardized plans may not be available in your area. Minnesota and Wisconsin Medicare Supplement Insurance policies are standardized in a different way. Medicare Supplement Insurance policies have exclusions and limitations.

Please call your agent/producer or our SGIC Medicare Supplement Insurance Customer Service at 833-552-0828 for complete details of coverage and cost.

For more information on Medicare and Medigap, click here ( SGIC is not connected with or endorsed by the U.S. Government or the Federal Medicare Program.


A.M. Best has assigned a Financial Strength Rating of B++ (Good) and a Long-Term Issuer Credit Rating of “bbb” to SGIC, a newly formed U.S. insurer that is part of Premier Servicing, LLC. (Premier).


From our critical illness insurance plans, to supplemental health and indemnity policies, our products and services will change the way you think about health insurance and give you Peace of Mind.