Fill the gaps in Medicare
Medicare Supplement Insurance
Medicare does not cover everything. Medigap plans fill the gaps, covering deductibles, copayments, and services that Medicare does not pay for.
Medicare Pays a Lot. Just Not Everything
Medicare Part A covers hospital care and Part B covers outpatient services, but neither covers everything. Part B pays only 80 percent of approved charges with no annual cap on what you owe, and the Part A deductible exceeds $1,700 per stay in 2026. Medigap plans fill those gaps. They are sold by private insurers but standardized by the federal government, so the same plan letter offers the same coverage from any carrier.
Your initial enrollment period is the six months after you turn 65 and enroll in Part B. Miss that window, and you may face medical underwriting or higher premiums for the rest of your life.
How the Plans Differ
Plans are labeled A through N. Plan G is the most popular choice because it covers nearly all gaps except the small Part B deductible. Plan N trades a slightly lower premium for modest copays at office visits. Other letters cover narrower slices, and some are no longer sold to new enrollees. We walk you through every plan available in Arizona, compare premiums across the strongest carriers, and lock in coverage during the window when carriers must accept you regardless of health.
Why It Matters
A single hospital stay can produce thousands of dollars in out-of-pocket costs without a Medigap policy. The right plan caps that exposure for a predictable monthly premium. Timing matters more than almost anything else in this decision, and the right choice today is much cheaper than fixing it later.
Your initial enrollment period is the six months after you turn 65 and enroll in Part B. Miss that window, and you may face medical underwriting or higher premiums for the rest of your life.
Is a Medigap Plan Right for You?
If you are on Medicare or approaching 65, these are the situations where a supplement pays for itself.
- People Turning 65. Your initial enrollment period is the best time to lock in coverage at the lowest rates with no health questions.
- Retirees on Fixed Income. Unexpected medical costs can disrupt a retirement budget. Medigap caps your out-of-pocket exposure.
- People with Chronic Conditions. Frequent doctor visits, specialist care, and ongoing treatment make the 20 percent Part B gap expensive fast.
- Snowbirds and Travelers. Medigap plans cover you anywhere in the United States. Some plans also include foreign travel emergency coverage.
Who You Work With
Licensed, Credentialed, and on Your Side
Your plan is only as strong as the people behind it. The advisors below are the licensed agents and consultants who design, place, and service your coverage.
Chris Cohan
CEO | ChFC®, RMA®
ChFC® · RMA® · Series 6, 63, 65 · AZ Life & Health
With over 25 years in financial services and deep Arizona roots, Chris takes a steady, thoughtful approach to wealth and estate planning. As a Chartered Financial Consultant® (ChFC®) and Retirement Management Advisor® (RMA®), he helps individuals and families build, protect, and transfer wealth through personalized strategies.
View ProfileStephen Levin
Tucson Director of Risk Management | Senior Planning Consultant | Licensed Insurance Agent
Licensed Insurance Agent
Stephen brings a background in risk management to his role at RJP, where he helps Tucson-area families protect what they've worked so hard to build. Before transitioning into estate and insurance planning, he spent years in risk-management leadership, learning how to spot vulnerabilities and build strategies that hold up when it matters most.
View ProfileRon Tallou
Wealth Management Advisor, Fiduciary
Series 6, 63, 65 · Licensed Insurance Agent
Born and raised in Michigan, Ron developed a strong work ethic and deep appreciation for community values early in life. These formative experiences ignited a lifelong passion for wealth management, ultimately shaping his career in finance.
View ProfileThomas Fryar
Senior Planning Consultant | Licensed Insurance Agent
Licensed Insurance Agent
As a financial services professional since 1978, Thomas has developed risk-managed retirement income and estate-transfer strategies that help clients protect lifetime cash flow, provide for surviving spouses or special-needs family members, and pass wealth efficiently across generations. His four decades in life insurance and planning inform a disciplined, education-driven approach to protecting family assets.
View ProfileLenny Trujillo
Senior Planning Consultant | CLDP | Licensed Insurance Agent
Certified Legal Document Preparer (CLDP) · Licensed Insurance Agent
For more than 25 years, Lenny has helped Arizona families sit down at the kitchen table and finally make sense of retirement, trusts, and what happens to everything they've worked for. A Certified Legal Document Preparer and licensed life and health insurance agent, he walks clients through revocable living trusts, special needs planning, powers of attorney, and insurance-based asset protection in plain English. Clients consistently describe him as patient, warm, and genuinely interested in their story, the kind of advisor who'll pause the paperwork to hear about the grandkids before getting back to the signatures.
View ProfileRalph Abate
Senior Planning Consultant | Licensed Insurance Agent
Licensed Insurance Agent
Drawing on more than 30 years in insurance and retirement-income planning, Ralph structures tax-efficient wealth-transfer and protection solutions for RJP clients. His analytical approach and coaching style help households understand complex options and make informed decisions.
View Profile
Client Testimonials
Common Medicare Supplement Insurance Questions
Answers to the questions Arizona families ask most about medicare supplement insurance.