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Medicare Supplement (Medigap) | Duval County

Keep any doctor who takes Medicare, no network.

Medicare Supplement, also called Medigap, works alongside Original Medicare to cover costs like deductibles and coinsurance that Medicare alone leaves you paying. Unlike Medicare Advantage, there is no provider network, so you can see any doctor nationwide who accepts Medicare.

904-606-1161

Written and reviewed by Julieann G. Bennett, Licensed Independent Insurance Agent, NPN 17787073. Last reviewed September 18, 2026.

Your options

See your Medicare plan options in about 60 seconds

Answer three questions and Julieann comes back with the Medicare Advantage and Supplement plans that are actually available at your ZIP code, not a generic list.

  • Same-day response on every request
  • No cost and no obligation to enroll
  • She reviews every plan option with you by phone
Plan comparison What you get
Freeno obligation
Plan typesAdvantage, Supplement, Part D
Enrollment windowAEP: Oct 15 to Dec 7
Cost to youNo cost, no obligation

This is not a complete listing of every plan available in your area. Contact Medicare.gov or 1-800-MEDICARE for a full listing of options.

Why some residents choose Supplement over Advantage

Residents who travel out of state part of the year, or who want to keep seeing a specific specialist without a referral, usually lean toward Medicare Supplement over Advantage.

The tradeoff is a monthly premium in addition to Medicare Part B, which Julieann walks through against your specific situation rather than assuming one plan type fits everyone.

Other coverage

Other Medicare coverage Julieann places

Ages 65+

Medicare Advantage Plans

Bundled Medicare Part A, B and often Part D coverage through a private carrier, often with extra benefits like dental and vision.

  • Often $0 monthly premium plans available
  • Many include dental, vision and hearing
  • Julieann checks your doctors are in-network first
Compare Advantage plans →
Questions

Medicare Supplement questions

Do I need a referral to see a specialist with Medicare Supplement?
No. Medicare Supplement has no network and no referral requirement. If a provider accepts Medicare, you can see them directly.

See what a Medicare Supplement plan would cost you

Julieann walks through Advantage and Supplement side by side so you can see the real tradeoff.

904-606-1161