Medicare Supplement Plans: An Interview with Anyehara De Los Santos

Interview with Anyehara De Los Santos
  • November 20, 2023

In the complex landscape of healthcare, understanding your insurance options is crucial. Medicare, a federal health insurance program for individuals aged 65 and older, may leave some gaps in coverage. To shed light on supplemental insurance and its relevance to those with Medicare, we sat down with Anyehara De Los Santos, a seasoned Benefits Consultant and Medicare Sales Representative based in the Bronx, New York.

Exploring the Basics: What is Medicare Supplement Insurance?

Medicare supplement plans, commonly known as Medigap, play a pivotal role in covering the cost gaps left by traditional Medicare. De Los Santos emphasizes that these plans are designed to provide financial relief by covering expenses such as copayments, deductibles, and coinsurance that Medicare alone may not fully address.

"It's like having a safety net for your healthcare expenses," De Los Santos explains. "Medicare does a great job, but it doesn't cover everything. Medigap fills those gaps, ensuring you're not left with unexpected out-of-pocket costs."

The Age of Eligibility: 65 and Beyond

One key advantage of Medigap is its accessibility. Eligibility begins at the age of 65, aligning with Medicare enrollment. De Los Santos highlights the importance of securing supplemental coverage during the open registration, emphasizing guaranteed acceptance regardless of pre-existing conditions.

"At 65, individuals have a six-month window to enroll in Medigap with guaranteed acceptance," De Los Santos notes. "This means insurance companies cannot deny coverage or charge higher premiums based on your health status. It's a unique opportunity to secure the coverage you need without the stress of medical underwriting."

Navigating the Options: Standardized Plans for Comprehensive Coverage

One notable aspect of Medigap is the standardization of plans. De Los Santos advises beneficiaries to carefully compare the available plans, each labeled with a letter from A to N, to find the one that best suits their needs.

"The beauty of Medigap is its simplicity," says De Los Santos. "Once you decide on the level of coverage you want, you can easily compare plans across different insurance companies. The coverage for each plan is standardized, so you can focus on finding the best premium for the coverage you need."

Medigap vs. Medicare Advantage: Weighing the Options

Choosing between Medigap and Medicare Advantage can be daunting as individuals approach Medicare eligibility. De Los Santos breaks down the key differences, emphasizing that the decision ultimately depends on personal preferences and healthcare needs.

"Medigap and Medicare Advantage serve different purposes," explains De Los Santos. "While Medigap focuses on filling in the gaps of Original Medicare and offers flexibility in choosing healthcare providers, Medicare Advantage combines hospital and medical coverage into one plan with additional benefits like vision and dental. It's essential to weigh the pros and cons based on your lifestyle and healthcare priorities."

Managing Healthcare Costs: The Role of Supplemental Insurance

De Los Santos stresses the importance of proactive healthcare planning, emphasizing that supplemental insurance is valuable in managing healthcare expenses.

"Many individuals underestimate the potential out-of-pocket costs associated with healthcare," De Los Santos observes. "Medigap provides peace of mind, knowing unexpected medical bills won't financially burden you. It's an investment in your health and financial well-being."


Anyehara De Los Santos offers a comprehensive understanding of the role of supplemental insurance in enhancing Medicare coverage. As the healthcare landscape continues to evolve, informed decision-making becomes paramount. Whether you're approaching the age of Medicare eligibility or exploring options for a loved one, taking the time to understand the nuances of Medigap can pave the way for a secure and well-managed healthcare journey.

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