Medigap
What is Medigap (Medicare Supplement insurance)?
A private policy that pays the share Original Medicare leaves you. Standardized by law, priced by the company, and only available on your terms during one window.
Medigap
Does Medigap cover the 20 percent Medicare does not pay?
Yes, and depending on the plan letter it covers several other gaps too. Here is exactly what each one pays.
Medigap
When is my Medigap open enrollment period?
Six months from the month your Part B starts. It is the most important window in Medicare and it does not come back.
Medigap
Can I be denied Medigap for pre-existing conditions?
Inside your open enrollment window, no. Outside it in Texas, yes. Here is what underwriting actually looks at.
Medigap
How much does a Medicare Supplement cost?
Premiums vary widely for identical coverage. Here is what drives the price and what to look at besides the first year quote.
Medigap
What is the best Medigap plan? Plan G, Plan N or Plan F
Plan G is the default for most people newly eligible. Here is when N is the better buy and why F is off the table for most.
Medigap
What is the difference between Plan F and Plan G?
One deductible, and a rule that closed Plan F to most people. Here is what it means if you already have F.
Medigap
Is Medigap Plan G worth it?
Work out the two totals and the answer stops being a matter of opinion. Here is the comparison and the risk it removes.
Medigap
Can I switch Medigap plans any time?
You can apply any time. Whether you will be accepted is a different question in Texas. Here is how to switch safely.
Medigap
Do I need Part D if I have a Medigap plan?
Yes. Supplements sold today include no drug coverage, and skipping Part D starts a permanent penalty.
Medigap
Can I use Medigap with any doctor that accepts Medicare?
Yes, anywhere in the country, with no network and no referrals. Here is the one billing detail worth understanding.
Medigap
Why did my Medigap premium go up?
Three separate causes, and only one of them means you should shop. Here is how to tell which happened to you.
Medigap
Does Medigap cover me when I travel or move to another state?
Nationwide with no network, and moving does not affect it. Plus what the foreign travel benefit actually covers.
Medigap
Can I switch from Medicare Advantage to a Medigap plan?
You can leave Advantage in two windows a year. Getting a supplement afterward depends on underwriting, unless you have a trial right.
Medigap
How do I compare Medigap rates from different companies?
Coverage is identical by law, so this is purely a price exercise. Here are the four things to compare besides the monthly quote.
Medigap
Why do Medigap prices differ by company for the same plan?
The coverage is identical by law. The price is not. Here is what actually explains the gap.
Medigap
What does Medigap not cover?
Prescriptions, dental, vision, hearing and long term care. Here is why, and what to do about each gap.
Medigap
What is high deductible Plan G?
The same coverage as Plan G at a much lower premium, after you pay a set annual amount first. Who it fits and who it does not.
Medigap
How do I decide between Medigap and Medicare Advantage?
A decision worksheet rather than a sales pitch. Six questions that settle it for most people.
Medigap
How do I enroll in a Medicare Supplement?
The application, the timing that decides whether you can be declined, and the order that keeps you from a coverage gap.