Informed. Attentive. Dedicated. If you’re enrolled in Original Medicare (Part A and Part B) and want more predictable health care costs, Medicare Supplement Insurance—also called Medigap—may be the right fit. Creamer Insurance Agency, Inc. helps individuals and families across Southern Utah, including Kane County, compare Medigap plan options and choose coverage that matches their needs and budget.

What Is a Medicare Supplement (Medigap) Plan?

Original Medicare helps cover many medical expenses, but it doesn’t pay for everything. Medicare Supplement plans are designed to help “fill the gaps” by covering certain out-of-pocket costs such as:

Part A hospital deductible and certain hospital costs
Part B coinsurance (often including the typical 20% share after Medicare pays)
Other Medicare-approved cost-sharing amounts (depending on the plan you choose)

Medigap plans work alongside Original Medicare and are offered by private insurance companies.

Why Kane County Residents Choose Medigap Coverage

Many people in Kane County want coverage that helps limit surprise bills and provides flexibility when receiving care. A Medicare Supplement plan may be a great choice if you:

Prefer the structure of Original Medicare and want help with out-of-pocket costs
Want the ability to see providers that accept Medicare (without being limited to a local network in many cases)
Would like more predictable expenses when planning for retirement

Medigap vs. Medicare Advantage: What’s the Difference?

Both options can help manage costs, but they work differently:

Medicare Supplement (Medigap) acts as secondary coverage to Original Medicare and helps pay certain deductibles/coinsurance based on the plan benefits.
Medicare Advantage (Part C) is an alternative way to receive your Medicare benefits through a private insurer and may include additional benefits (plan rules and networks can apply).

Not sure which direction to go? We’ll walk you through a side-by-side comparison so you can feel confident about your choice.

Important Timing: When Can You Enroll in a Medicare Supplement Plan?

Medicare Supplement plans can often be purchased year-round, but the best time to enroll is typically during your Medigap Open Enrollment period (generally when you’re 65+ and enrolled in Part B). Outside of certain timeframes, you may be subject to medical underwriting, depending on the situation and plan availability.

Our job is to help you understand your options clearly—including timing, eligibility, and what documents you may need—so there are no surprises.

Do I Need a Part D Prescription Plan Too?

Medigap plans generally do not include outpatient prescription drug coverage. Many people pair a Medicare Supplement plan with a Medicare Part D prescription drug plan. We can help you review Part D options and estimate total costs based on your medications.

Why Work with Creamer Insurance Agency, Inc.?

Creamer Insurance Agency, Inc. has served families and businesses in Southern Utah since 1972. As independent insurance agents, we work with multiple major insurance providers in Utah—so you can compare choices in one place.

Personal, one-on-one consultations focused on your coverage goals
Clear comparisons of benefits, premiums, and cost-sharing
Local, ongoing support when your needs change