---
title: Medicare & Medigap Supplements - Lubbers & Associates, LLC
description: Independent Medicare & Medigap supplement guidance in Grand Rapids and Kent County, MI. Turning 65? Compare your options clearly, with no pressure.
author: webiedesign
---

- Services
- [Financial Planning](https://www.lubbers.ellija.com/index.php?Itemid=240)
- [Retirement Income Planning](https://www.lubbers.ellija.com/index.php?Itemid=241)
- [Medicare & Medigap Supplements](https://www.lubbers.ellija.com/index.php?Itemid=242)
- [Life & Health Insurance](https://www.lubbers.ellija.com/index.php?Itemid=243)
- [Long-Term Care Insurance](https://www.lubbers.ellija.com/index.php?Itemid=244)
- [Personal Tax & Savings Planning](https://www.lubbers.ellija.com/index.php?Itemid=245)
- [Annuities](https://www.lubbers.ellija.com/index.php?Itemid=251)

# Medicare & Medigap Supplement Plans in Grand Rapids, MI

Turning 65 — or helping a parent who is — comes with a flood of mail, phone calls, and confusing options. We cut through the noise. As independent advisors serving Grand Rapids, Grandville, and Kent County, we help you understand your Medicare choices and find supplement coverage that fits, without the high-pressure pitch.

[Schedule a Medicare Review](https://www.lubbers.ellija.com/index.php?Itemid=118)

![senior couple](https://www.lubbers.ellija.com/images/senior-couple-discussing-finances-at-home-on-couch.jpg)

## What is a Medicare Supplement (Medigap)?

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Original Medicare (Parts A and B) covers a lot — but not everything. A Medicare Supplement, also called Medigap, is private insurance that helps cover costs Original Medicare leaves to you, like certain deductibles and coinsurance. Choosing the right one depends on your health, budget, and how you like to get care.

## How We Help

### Explain Options in Plain English

Medigap vs. Medicare Advantage, and what each really means for your healthcare future.

### Match Coverage to Your Situation

We align plans directly with your preferred doctors, your prescriptions, and your budget.

### Watch the Timing Closely

Enrollment windows matter, and missing critical deadlines can cost you permanently.

### Stay Completely Independent

We are not tied to one carrier, so our recommendation is always focused entirely on you.

## Turning 65? Start here.

The months around your 65th birthday include some of the most important enrollment windows you'll ever face. The earlier you understand them, the more options you keep open. We'll walk you through the timeline so nothing slips by.

[Turning 65? Contact us to explore your Medicare Option →](https://www.lubbers.ellija.com/index.php?Itemid=118)

## Local help, real people

You won't be routed to a national call center. You'll talk with an independent advisor right here in West Michigan who can sit down with you and your family.

[Schedule a Medicare Review](https://www.lubbers.ellija.com/index.php?Itemid=118)

![faqs](https://www.lubbers.ellija.com/media/yootheme/cache/19/lubbers-faq-19224c92.png)

[FAQ: Medicare & Medigap →](https://www.lubbers.ellija.com/index.php?Itemid=255)