Medicare Supplement (Medigap) Plans in Southwest Missouri
Fill the Gaps in Medicare with a Supplement Plan
That Works for You
Original Medicare (Parts A and B) covers many healthcare services — but not everything. That’s where Medicare Supplement Insurance (Medigap) comes in. These plans help cover the out-of-pocket costs left behind by Medicare, like deductibles, copayments, and coinsurance.
At Medicare MO Plans / Akeman Insurance, we help individuals throughout Mt. Vernon and surrounding Missouri communities find the right Medigap plan for their needs and budget. You’ll work one-on-one with a licensed, local broker who takes the time to explain your options and guide you through enrollment.
What Is Medigap?
Medigap is private insurance that works alongside Original Medicare. It doesn’t replace your Medicare coverage — it supplements it. These plans are standardized by the federal government, which means the benefits for each plan type (Plan G, Plan N, etc.) are the same across companies. The only difference is cost, service, and added features.
You must be enrolled in both Medicare Part A and Part B to get a Medigap policy.
What Does Medigap Cover?
Depending on the plan you choose, Medigap may help pay for:
- Part A coinsurance and hospital costs
- Part B coinsurance or copayments
- Blood transfusions (first 3 pints)
- Skilled nursing facility care coinsurance
- Part A and Part B deductibles
- Foreign travel emergency coverage
We’ll help you compare coverage across the most popular plans in Missouri, including:
- Plan G: Most comprehensive plan for new enrollees, covering nearly all gaps except the Part B deductible
- Plan N: Lower premiums with small copays for certain services
- Plan A, B, C, D, F, K, L, M: Other options for legacy coverage or specific needs (eligibility may vary)
Why Consider a Medigap Plan?
Medigap plans are ideal for those who:
- Prefer predictable healthcare costs
- Travel frequently (some plans offer international emergency coverage)
- Want to keep the freedom to choose any provider that accepts Medicare
- Are willing to pay a monthly premium in exchange for less out-of-pocket risk
With Original Medicare and a Medigap policy, you can receive care from any provider nationwide who accepts Medicare — no referrals or network restrictions.
How We Help You Compare Plans
Medication Review
01.
We’ll start by reviewing your current prescriptions and dosage.
Plan Comparison
02
We compare all available Part D plans in your county — not just one carrier — and show how each plan handles your medications.
Pharmacy Selection
03
We factor in your preferred pharmacies and explore potential savings by switching to preferred locations or mail order.
Clear Explanation
04
At Akeman Insurance, we use advanced tools and up-to-date plan data to help you find the most cost-effective coverage. Here’s what our process looks like:
We explain costs, coverage gaps (like the “donut hole”), and tips for lowering expenses.
Application Support
05
Once you choose a plan, we help with enrollment and make sure your application is submitted accurately and on time.
Why Choose Akeman Insurance?
Local and Licensed: We know the Missouri Medigap market inside and out
Independent Agent: We work for you — not the insurance companies
No Pressure: Get honest advice with no sales push
In-Person or Phone Help: Flexible support options, based on your preference
Available Year-Round: We don’t disappear after enrollment
Our goal is to help you find the right coverage with no confusion, and to be a trusted resource for years to come.
Frequently Asked Questions
Is Plan F still available?
Plan F is only available to individuals who were eligible for Medicare before January 1, 2020. If you became eligible after that date, Plan G is the closest equivalent and covers nearly the same benefits, minus the Part B deductible.
Can I switch Medigap plans later?
Yes, but you may be subject to medical underwriting unless you qualify for a guaranteed issue period. We’ll help you understand your eligibility and guide you through the process if switching makes sense.
Do Medigap plans cover dental or vision?
No, Medigap plans do not include dental, vision, or hearing benefits. We offer standalone dental and vision coverage if you’d like to add those services to your plan.
Why Work with Akeman Insurance?
- We’re Local: Based near Mt. Vernon, we understand the plans available in your area
- We’re Independent: We compare all available plans, not just one company
- We’re Personal: You speak with a real, licensed agent — no call centers
- We’re Experienced: We’ve helped hundreds of clients find the right prescription coverage
- We’re Here All Year: Call us any time — not just during enrollment season
Our only goal is to help you get the right coverage for your medications and budget.
Let’s Review Your Medigap Options Together
Whether you’re turning 65 or exploring better supplement coverage, we’re here to help you understand your options and make the right decision.