I lead a team of experts known as, "The MediGap Guys" who work with people just like you...age 65 and greater...to determine if your healthcare costs in retirement, especially Medicare and MediGap plans, make the most effective use of your retirement dollars. MediGapByPhone is a full-service independent insurance agency and a professional team of qualified and licensed insurance agents working throughout the USA offering you the best value on your Medicare supplement plan. "These day's you have to get the most for your dollars." 

Stephen J. Barbé

We have the ability to search and shop the entire Medicare marketplace to find and deliver to you, through the speed of the internet, the most cost effective Medicare (MediGap) supplement plans and only the strongest insurance companies. We work for you, not the insurance company and you pay no additional costs for our expertise!

MediGap policies are standardized

"Every Medigap policy must follow federal and state laws designed to protect you, and they must be clearly identified as Medicare Supplement Insurance. Insurance companies can sell only a "standardized" policy identified in most states by letters A through N. All offer the same basic benefits."...Medicare & You 2016.

How do I compare MediGap policies?

"Different insurance companies may charge different premiums for the same exact policy. As you shop for a policy, be sure you're comparing the same policy. [for example, compare Plan F from one company to Plan F of another company or Plan G to Plan G; The only difference in the plans offered by the insurance companies is price]...Medicare & You 2016, pg. 100.    

​"Save The Retiree...Save The World"

*Section 6 - What are Medicare Supplement Insurance (MediGap) Policies? Medicare & You 2016, pages 99-104