Helping You Fill the Gaps with Confidence and Clarity
Sorting through Medicare options can be frustrating, especially when you realize that Original Medicare does not cover everything. That’s where Medicare Supplement Plans come in. Also called Medigap plans, these policies are designed to pick up the tab where Medicare stops, helping you avoid surprise bills, reduce out-of-pocket expenses, and get better peace of mind.
At McShannon Insurance Plus, we work with individuals and families in Greenville and surrounding Texas communities to find the right supplement plan for their situation. If you’re new to Medicare or thinking about changing plans, we’ll make it simple.
You’ll never be on your own. Our local, licensed agent is here to help you compare plans, understand the fine print, and choose coverage that fits your lifestyle and budget.
Original Medicare (Part A and Part B) gives you a solid start, but it has some big gaps. That includes deductibles, copays, and coinsurance that you’re responsible for. Medicare Supplement Plans help you handle those costs so you’re not stuck footing the bill every time you see a doctor or head to the hospital.
Here are a few reasons folks in Greenville go with a Medigap plan:
Lower Out-of-Pocket Costs: These plans help reduce or eliminate expenses like deductibles, copayments, and coinsurance, which can quickly add up during frequent doctor visits or hospital stays.
Freedom to Choose Doctors: You’re not limited to a provider network. With most supplement plans, you can see any doctor or specialist that accepts Medicare, anywhere in the country.
Coverage While Traveling: Many plans offer coverage for emergency medical care outside of Texas or even outside the United States, so you can travel confidently knowing you’re still protected.
Predictable Healthcare Costs: A supplement plan adds stability to your healthcare expenses, helping you plan and budget better with fewer surprise bills.
Peace of Mind: Knowing you have coverage that fills Medicare’s gaps means fewer worries and more confidence in managing your healthcare as you age.
Every client we meet is different, so we don’t believe in one-size-fits-all advice. Whether you’re already enrolled in Medicare or preparing for your 65th birthday, we’re here to guide you through the process.
Plan Comparisons Side-by-Side
We’ll walk you through the various types of Medigap plans available in Texas, like Plan G, Plan N, and others. You’ll see what each one covers, where they differ, and how those differences can affect your bottom line. Our goal is to help you understand your options, not confuse you with jargon.
Licensed Help from a Local Agent
When you work with McShannon Insurance, you’ll have one consistent point of contact. We’re not a call center. We’re a small team that takes pride in helping Texans make confident healthcare decisions. You’ll talk to someone who’s licensed, experienced, and cares about getting you the best outcome, not making a sale.
Assistance with Enrollment
Feeling stuck or overwhelmed by the paperwork? We’ve got your back. Whether you’re applying during your Medigap Open Enrollment Period, switching plans, or trying to avoid penalties, we’ll help make sure everything is submitted correctly and on time.
Plan Reviews and Adjustments
Your needs change, and your Medicare plan should keep up. We offer free plan reviews to check if your current supplement is still working for you. If there’s a better option out there, we’ll walk through it together.
Lots of agencies sell Medicare plans. But we take a different approach, one that puts you first.
You’ll always work with a dedicated agent who listens to your concerns, answers your questions clearly, and takes the time to understand what matters to you.
We’re not tied to any one insurance company. That means we can compare plans from multiple carriers and give you honest, unbiased advice based on what’s best for your situation, not ours.
Medicare is not a one-and-done conversation. We’re here before, during, and after enrollment to support you. Whether you’re dealing with a billing issue, thinking about switching plans, or just need someone to double-check something, we’re only a phone call away.
We don’t believe in scare tactics or sales pressure. Instead, we explain your options in everyday language and help you make decisions that feel right, not rushed.
Even a small mistake with Medicare can lead to unexpected costs or limited coverage. Here are some of the most common pitfalls, and how to avoid them.
Waiting Too Long to Enroll
Delaying enrollment past your Medigap Open Enrollment Period can mean higher premiums or even being denied coverage. It’s best to act while your options are guaranteed and unrestricted.
Choosing Based on Price Alone
A lower premium might seem like a win, but it often comes with higher out-of-pocket costs or fewer benefits. It’s smarter to look at the full picture, not just the monthly price tag.
Assuming All Plans Are the Same
While coverage is standardized by letter (like Plan G or Plan N), prices and service levels can vary by insurance company. Comparing multiple carriers ensures you get the best value.
Overlooking Prescription Coverage
Medigap plans don’t include drug coverage, so you’ll need a separate Part D plan. Ignoring this can leave you paying full price for medications.
Skipping the Doctor Check
Not every provider accepts Medicare. Always verify that your doctors and specialists are within the guidelines so you don’t lose access to care you count on.
Failing to Plan for Travel
Some plans don’t cover healthcare outside of your home state, or the U.S. If you travel often, make sure your policy includes emergency travel coverage.
Not Reviewing Plans Annually
Your health needs and plan options can change every year. A quick yearly review helps make sure you’re not overpaying or under-covered.
Taking Generic Advice from Friends or Family
What works for someone else may not be the best fit for your health needs or budget. Personalized guidance from a licensed agent helps you avoid costly mismatches
At McShannon Insurance Plus, we go beyond Medicare Supplement Plans to give you full support across all aspects of your Medicare journey. Whether you’re looking for extra benefits, prescription coverage, or enrollment help, we’ve got you covered.
These plans bundle your Medicare Part A and B into one policy, often including extras like dental, vision, and hearing coverage. We help you compare plans available in your area so you can choose one that matches your lifestyle and needs. Our goal is to make sure you get more value from your Medicare benefits without overpaying.
Medicare Prescription Drug Plans
Medicare Part D helps cover the cost of your medications, but choosing the right plan can be tricky. We guide you through formulary comparisons to ensure your prescriptions are covered affordably. Whether you take a few medications or manage several, we’ll help you find a plan that fits.
Medicare Enrollment Assistance
Not sure where to start with Medicare? We walk you through every step, from initial enrollment to plan changes, so you can feel confident about your coverage. Our assistance ensures you avoid late penalties, missed deadlines, and confusing paperwork.
McShannon Insurance Plus serves clients throughout Texas. While we’re based in Greenville, we regularly help people in Garland, Mesquite, Rockwall, Rowlett, Dallas, and nearby areas.
What’s the difference between a Medicare Supplement and a Medicare Advantage plan?
A Supplement Plan works alongside Original Medicare and helps cover extra costs like deductibles and coinsurance. Advantage Plans, on the other hand, replace Original Medicare and often include built-in networks and additional benefits. We’ll explain both in detail and help you pick the best fit.
When can I enroll in a Medigap plan?
The best time to enroll is during your Medigap Open Enrollment Period, which starts when you’re 65 and enrolled in Medicare Part B. During this time, you have guaranteed issue rights and can’t be denied based on your health.
What if I already have a Supplement Plan but want to switch?
It’s possible to switch, but you might be subject to medical underwriting unless you qualify for guaranteed issue rights. We’ll walk you through your situation and help you understand your options.
Do Supplement Plans include drug coverage?
No, Medigap plans don’t include prescription coverage. You’ll need a separate Part D plan for medications, and we can help you find one that fits your prescriptions and preferred pharmacy.
Are all Supplement Plans the same?
The coverage for each plan letter (like Plan G) is standardized, meaning it’s the same no matter which insurance company sells it. However, premiums, customer service, and extras can vary. We’ll compare them for you.
Medicare Supplement Plans can help you feel more protected and prepared, but only if you choose the right one. Let’s sit down, walk through the details, and figure out which plan fits your life, your budget, and your peace of mind.
Call McShannon Insurance Plus today or schedule your free consultation online. We’re proud to serve Greenville and the entire East Texas region with honest, friendly, and professional Medicare support.
