Prescription Drugs, the 20% Gap & Medigap Supplements Explained for Central Illinois.

MEDICARE MONDAY Episode 5 | June 8th, 2026

Presenters:

Mitch Hudson | Agency Manager at American Republic Insurance Services

Holden Houston | District Manager at American Republic Insurance Services

In Episode 5 of Medicare Monday, Mitchell Hudson and special guest Holden Houston from American Republic Insurance Services return to the couch to answer key questions about Medicare coverage for seniors in Central Illinois.

Mitchell dives into prescription drug coverage (Part D) — why you should enroll even if you don’t currently take medications, the lifelong late enrollment penalty (1% per month), and the importance of reviewing your plan every single year during Medicare Open Enrollment.

Mitchell also explains the “dreaded 20% gap” in Original Medicare (Parts A & B): after the annual deductible, you’re responsible for 20% coinsurance with no out-of-pocket maximum — which can add up fast on major medical needs.

Holden Houston then breaks down Medigap (Medicare Supplement) plans, focusing on the most popular options — Plan F and Plan G. Learn how these standardized plans work, why coverage is the same regardless of the insurance company, and how they help fill the critical gaps in Original Medicare while following the Medicare network.

Perfect for anyone turning 65, helping a loved one, or reviewing current coverage in Springfield, Decatur, Jacksonville, or anywhere across Central Illinois.

Watch Episode 5 now to get clear, practical answers and protect yourself from unexpected Medicare costs.

For personalized help reviewing your Medicare options, understand your coverage gaps, or planning your enrollment, contact our local Springfield Medicare experts today.