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HomeArticlesSenior Health Insurance Articles › Medigap vs Medicare Advantage: Which is the Best Medicare Supplement?

Medigap vs Medicare Advantage: Which is the Best Medicare Supplement?

By Katie Banks+

The first thing that most seniors considering health care ask us is, “which is best: Medigap vs Medicare Advantage.”  Before we can answer the question, however, you should first understand how they work because they are drastically different.

What is Medigap and What is Medicare Advantage?

MEDIGAP
Medigap refers to a group of supplemental insurance plans that work in conjunction with your regular Medicare benefits. They cover many expenses not covered under Original Medicare such as additional hospital days or international travel.  Also Medigap plans often cover expensive deductibles or copayments that are charged to Medicare patients without Medigap. These cost can add up to hundreds of thousands of dollars should you have a major illness or accident.

The benefits of Medigap plans are standardized by the federal government, meaning that plans sold by different insurance companies all offer the same benefits. The most popular Medigap Plan is called Plan F. Click here to get a quick Medigap quote

Medigap does not cover prescription benefits so most people purchase additional Rx coverage through Medicare Part D.

MEDICARE ADVANTAGE
In contrast, Medicare Advantage plans replaces Original Medicare. Medicare Advantage plans are run by private companies and must provide the same coverage as Medicare A and B, but vary beyond this minimum set of benefits. Medicare Advantage can still leave open the gaps that Original Medicare leaves in case of major medical issue. Some Medicare Advantage plans offer dental, vision or prescription coverage. Most Medicare Advantage plans are HMOs, therefore have a smaller network of doctors than those that accept Original Medicare.

Medicare Advantage plans are usually cheaper than Medigap plans. So, if you’re willing to deal with the restricted network (i.e., you don’t plan on traveling the country) and your funds are limited, the Medicare Advantage plan may be the best choice for you. 

One nice thing about Medicare Advantage is that each year there is an Annual Enrollment Period (AEP) where you can switch companies. The AEP for 2013 is October 15, 2013 to December 7, 2013. If you are looking to get a quote during the election period, please contact a Medicoverage Agent at 800-930-7956 extension #2.

Medigap Medicare Advantage
Typically More Expensive Typically Less Expensive
Offers significant additional coverage to Medicare Usually offers same coverage as Medicare
Larger Network of Doctors Smaller Network of Doctors
Does not cover RX Can include RX coverage
Recommended for those who can afford it Recommended for those on a tight budget

       

Making the choice of Medigap vs Medicare Advantage

UPDATE: We have just created a simple wizard to help you decide if Medigap or Medicare Advantage is right for you.

Medicare Advantage can be cheaper, but not necessarily so.  Out-of-pocket costs for many services such as hospital stays are often much more expensive with Advantage plans than they are with Medigap plans. Seniors considering a Medicare Advantage plan contact their physicians to ensure that the plan they desire is accepted.

Medigap plans are usually more expensive but will save you a significant amount money if you need extensive medical services.  If you budget can afford a Medigap plan, they will usually be the best way at protect your wealth.

The key is doing the research. In addition to reading this article you may want to visit Senior65.com which does a good job of explaining how to set up Medicare and Medigap plans.  Additional articles on this site that may be of interest are:

Introduction to Senior Health Insurance
4 Easy Steps to compare Medicare Supplemental Plans
Get the Best Price for your Medigap Plan

If you need help along the way contact our licensed agents at 800-930-7956.





Comments for Medigap vs Medicare Advantage: Which is the Best Medicare Supplement?

By Annabelle Fischer on June 17, 2011

Yikes - it sounds confusing.

Medigap sounds like I will not have to worry about paying money for my future health needs (but for me it will be a little more than $100 a month. And, I have to take out a separate policy for my prescriptions).  Will I make up for that in my coming days?

Medicare Advantage Plans - the price is right, but is the coverage?

MEDICOVERAGE AGENT RESPONSE

Annabelle,
You nailed it. Medicare Advantage Plans are less expensive but their coverage will not protect you should you have serious Medical Needs.

Medigap, on the other hand, is much more comprehensive but cost more. We always recommend Medigap if you can afford it. If you find that most Medigap plan are out of your price range you may want to look into a Medigap High Deductible plan F.  It has all the comprehensive coverage but a lower monthly premium.
-Chris from Medicoverage.com


By Martin42342 on July 19, 2011

When it comes to Medicare supplemental insurance (Medigap)  there are no discernible differences in offerings between companies for like plans. A particular plan letter from one company works identically to that same plan letter from any other Medicare supplemental insurance company.

MEDICOVERAGE AGENT RESPONSE

Martin,
You are exactly correct. Plan F from Aetna works exactly the same as a Plan F from Blue Cross. That is one of the few times that selecting on the lowest price makes sense. That being said, we strongly recommend you select a company has a good service record and is financially sound. Also you will want to see if the lowest cost plan will stay low or will they raise prices dramatically as you get older.

If you need help in this arena, please contact us at 800-930-7956 x3
-Michelle from Medicoverage.com


By Johnny Quid on July 20, 2011

I’d prefer Medicare, of which 97% of the money goes directly to paying for the healthcare, as opposed to some business skimming money off of the top.
Sorry to say it, but healthcare insurance, along with education and the military, are the THREE things that the government can do better than private companies.


By jonathanmaccy on July 23, 2011

Medigap plans (or Medicare Supplement plans) supplement both Parts A and B. They usually cost on average $100, and now do not include drug coverage. (some of them used to). With supplement plans, you can go to any doctor and don’t need referrals or anything like that. The Medicare Advantage plans are a fancy name for the HMOs you see. They usually have very little if any, monthly premium. They can include drug coverage. If you don’t mind the HMO, then it’s the cheaper way to go. If you prefer freedom, than you’d probably like the Supplement plan better. With the supplement plan, your still going to have to decide on a drug plan.

MEDICOVERAGE AGENT RESPONSE

Jonathan,
This is a pretty good recap. I think the only thing I would add would be that Medigap plan will pay for many costs that Medicare Advantage plan will not. For example most Medigap plan will cover an additional year of hospital payments which are not covered under Medicare or Medicare Advantage plans.
-Chris from Medicoverage.com


By bokenn til on July 30, 2011

I have just done all the research for my mother in-law and we decided to go with the medicare advantage plan. The medigap plans were much more expensive. The main thing to look for in the medicare advantage plans is if your doctors take the plans (you need to call them). Also, if you are taking perscription medications - whether they are covered or not. We checked on every perscription before applying to be sure each was covered. Most of the Advantage Plans have a “gap” or “donut hole”. This means that you are responsible for paying the full price of the medications once the cost goes over a certain dollar amount (usually $2,510). Some of the new plans (Anthem BCBS) will cover select generics even during the gap - which is a very important thing if you take a lot of meds. Just check on each medication to be sure it is covered during the gap.


By Anthony Garcia on July 30, 2011

Medicare Advantage sucks. Medigap is better.


By Cindy Farley on October 06, 2011

I am concerned about yearly “out of pocket” expenses.  Do either Supplemental or Advantage plans offer a maximum cap?  I think that I read that Advantage plans do offer caps while there are no caps for Supplemental.  Thank you.

MEDICOVERAGE AGENT RESPONSE

Hi Cindy,
That’s a good question. All Medicare Advantage plans have a Maximum Out of Pocket cost of $6,700. This doesn’t include prescription drug costs and monthly premiums and is only for services that Medicare Advantage covers but requires cost sharing from you. If it’s not covered under Medicare Advantage, you will still have to pay for it. So if you need extra skilled nursing and extra skilled nursing is not covered under your plan, then you will have to pay for it (even after you have hit your Maximum Out Of Pocket).

Medigap plans typically do not have a Maximum Out of Pocket amount because there is no cost sharing. Most cover 100% of additional coverage (like 365 additional days in the hospital) so there is no need for out of pocket maximums. If you need more than 365 additional days in the hospital you will have to pay for it.

Bottom line: if you are trying to gauge your financial risk, most Medigap plans cover significant more than Medicare Advantage so they are significantly less risky should you have major medical needs. 
-Chris from Medicoverage.com


By Bee Sky on November 21, 2011

My Mother is on a Medicare Advantage Plan and has been for several years. We have been perfectly happy and it has saved her so much money.  Now one of her specialist is telling us we should change her, because if she had something serious we would have trouble getting her the care she needs with the HMO.  So I’m checking into MediGap plans and of course i get the big sale pitch (scare tactics) from the companies selling the Medigap plans.  Saying that the HMO’s only pay up to a certain amount, and then it comes back on you.  Where the Medigap policies cover everything at no charge to you period. I’m just not sure if I’m getting the sales pitch or the real facts and haven’t been able to find anything online that answers the question.

MEDICOVERAGE AGENT RESPONSE

Bee,
Scare tactics are no fun. Medigap is not right for everyone but the plans are generally much more comprehensive that Medicare Advantage.  For example if you mother needed skilled nursing (which is basically inpatient rehab) most Medicare Advantage plans offer little to no additional coverage beyond the first 20 days. Medigap Plan F, however, will cover an additional 80 days of coverage.  If you needed more coverage, in additional 80 days offered on a Medigap plan, you would have to pay. While Medigap usually covers significantly more the Medicare Advantage,  the statement that Medigap coverage everything at no charge is not accurate. 
-Kelly from Medicoverage.com


By lucylee on December 23, 2011

My grandma just had open heart surgery with a medigap plan (new era).  The bill came to $110,000 but she owed nothing!  The plans work.


By Marilyn Mc on January 15, 2012

Medicare Advantage questions: Is it really a problem to get non-emergency care if you are traveling?

I hear that doctors may limit their number of Medicare patients. Is it generally easier to get in with a doctor as a new patient if the patient has a Medicare Advantage plan that the doctor accepts or if the patient has traditional Medicare with a Medicare Supplement policy? I’m trying to help my mom with her coverage decision.

MEDICOVERAGE AGENT RESPONSE

Marilyn,
Medicare Advantage Plans are HMO’s so if you traveling out of network you may be subject to additional fees and/or may not get support for non-emergency care.  There is almost never coverage when traveling abroad.

Access to doctors depends on the limits of the Medicare Advantage plan you select. Those who purchase Medigap plans can tap into the larger PPO network of doctors. Also some Medigap plans (like plan F) cover doctors excess charges so they will pay certain fees if you doctor charges more than traditional Medicare will reimburse.
-Michelle from Medicoverage.com


By Maria-Angeles Rogles-Reos on November 01, 2012

I recently became eligible for Medicare and now that I can choose plans, I am so confused!! I did not know that Medicare + Medigap is different from Medicare Advantage programs. My biggest fear is a big hospital and doctors bills that I cannot pay for them, or cannot afford medication. I almost signed up for Advantage but now feel in doubt and think perhaps Medicare + Medigap is a better choice, with a cost of maybe $2000 per year that can save me thousands if I ever need the services… Can someone please give me some input and opinion. Please!!

MEDICOVERAGE AGENT RESPONSE

Maria-Angeles,
If you can afford it, Medigap is definitely the better choice for the reasons you state above. It cost more but it covers significantly more should you need it. If you would like to speak to an agent, give us at a call at 800-930-7956 x3 and we would be glad to help you compare plans free of charge.
- Kelly from Medicoverage.com


By me on November 10, 2012

My mother has had Medicare Advantage for almost 10 years. Her out of pocket costs are skyrocketing due to her failing health (Over $5500. this year!), so we are going to switch her to a medigap plan instead. There are no out of pocket expenses, and the increase in premiums is nothing compared to what she is now paying out of pocket for hospital and skilled nursing copays!


By Dee Butler on November 14, 2012

I’ve done the research twice!  I have compared the cost between Medicare Advantage and Medigap Supplemental and it seems as though Medigap is the wiser choice of the two.  Yes, Medigap is more expensive, but it covers and offers more services than Medicare advantage.  If you are new to these selections you should beware of the clauses of both insurers for they do not cover any pre-existing health issues.  If you had a cold or a broken hip, neither plan will cover services needed for after care.


By JulietWoods on February 01, 2013

I’ve been debating whether or not to put my mom on mutual of omaha medicare supplement and this article just solidified my decision. Thanks for the info, it was very helpful!


By Kim Sullivan on February 25, 2013

Is a social security disability participant under 65 eligible for medigap?


By eddie on April 15, 2013

I am told that once enrolled in a medigap or supplemental plan, that if you want to change to another more comprehensive plan than the one you have chosen it is very difficult, if not impossible to trade up, more often than not the insurance companies will let you trade down or laterally, but not up.

Also, that it is very difficult to disenroll from the medicare advantage plan and that you will still need a prescription drug plan (part D)...i get more and more confused as i continue this process!

MEDICOVERAGE AGENT RESPONSE

Eddie,
Thank you for your comment. Hopefully we can help shed some light on your situation. You are correct that it is easier to trade down (purchase a Medigap plan with less benefits) than to trade up. A switch to a more comprehensive plan usually requires that you fill out a medical questionnaire.

As far as dis-enrolling from a Medicare Advantage plan, we can help you with that process. Please call us at 800-930-7956 and a licensed agent will assist.
-Eric from Medicoverage.com


By Betty Reina on May 06, 2013

I will be signing up for medicare next month and want to sign up for a medigap.  Can you recommend a good company to go with for medigap? I have been considering Kaiser.  Do you have any input regarding Kaiser vs like Aetna, United Health Care, Blue Cross, etc.? It is all so confusing.

MEDICOVERAGE AGENT RESPONSE

Betty,
To select the right Medigap provider, you will want to consider two factors: 1) Price and 2) Service.

1) Since all companies are providing the exact same insurance it’s OK to select a provider based on price. Aetna may offer the lowest price for a Plan F Medigap in one state and in other state Blue Cross is the lowest. Also the best price quote doesn’t always the lowest price overall. For example, United Health doesn’t always offer the lowest price for someone who turns 65 but historically they have increased their price less than their competitors so by the time you’re 75 your plan could be significantly less than others.

2) The second thing you want to consider is service.  You want to pick a company that has a successful track record of providing insurance services and has satisfied clients.  Contact us if you want specific recommendations.

Best,
-Chris from medicoverage.com


By susan Diamond on May 30, 2013

I see that California will not have United Health care in their exchange for care of those under 65.  I have a United medigap plan and wonder if it will be good still in CA after 2014?

MEDICOVERAGE AGENT RESPONSE

Susan,
That’s a good question. Our understanding is that United Health Care is not participating in the Under 65 exchange but will be still offering plans for those over 65 in 2014. Check back as we get closer to the new year or give us a call at 800-930-7956
-Chris from Medicoverage.com


By krista on June 20, 2013

we are looking into the united health medicare advantage plan for my mother in law. (It is a UHC Nursing Home Plan—PPO SNP). she is in a nursing home and will not be leaving there. does she even need a supplemental plan like this, or is medicare enough?

MEDICOVERAGE AGENT RESPONSE

Kirsta,
First of all we want to clarify that a Medicare Advantage plan is technically not a supplemental plan. Medicare Advantage Plans cover the same benefits as traditional Medicare but they are run by a private company (such as United Health).  Medicare Advantage plans often have smaller networks but offer additional perks such as “silver sneakers” or additional Rx coverage.

Without knowing all the details we could not say if a Medicare Advantage plan would be a better fit that just traditional Medicare. Give us a call at the number at the top of the page and we can discuss it with you.
-Michelle from www.medicoverage.com


By Harry Underwood on July 01, 2013

I am reasonably convinced medigap is the better choice than medicare advantage.  I am concerned, however, with prescription drug coverage as that is where about 90% of my expenses occur.  What can you advise?

MEDICOVERAGE AGENT RESPONSE:

We agree that if you can afford it, Medigap is often the better choice than Medicare Advantage. Visit www.medicoverage.com/quote to get a Medigap quote:

If you are concerned about Prescription drugs, you will want to get a Medicare Part D (drug) plan. To learn all about it and how to select the right plan for you, visit www.senior65.com/prescriptions

Hope that helps!
-Chris from www.medicoverage.com


By terriv on July 24, 2013

I am in the middle of trying to make a decision on insurance plans . . . your site has been most helpful!  Straight honest answers to vulnerable (and most times confused people).  The terminology is often confusing, i.e. Medigap and Medicare Supplement are one and the same, but how does an unseasoned insurance hunter know that? Or that Medigap policies are all basically the same, but strangely ... are differant prices. 
My question is; Does one still have to pay the deductibles for parts A&B with a Supplemental policy?  Thank you. 

MEDICOVERAGE AGENT RESPONSE

Terriv,
Thanks for the nice comments. It depends on which Medicare Supplemental (Medigap) plan you chose whether or not you will have to pay the part A or part B deductible.  If you select Medigap plan F then it will cover both deductibles and you will not have to pay them. If you select Medigap plan A, however, it will not cover either deductible.  Hope that helps. To get a quote and compare benefits in your area, visit our new site www.senior65.com. This site is set up to help “unseasoned” medicare shoppers so it might prove useful to you.
-Chris from www.Medicoverage.com


By Linda on September 28, 2013

My former employer is dropping their Medicare supplement plan for over-65 retirees (my husband) so we have to choose between a United Healthcare Advantage plan or one of the Medigap plans. 
My husband has younger-onset Alzheimer’s, in the moderate stage.  He takes a number of prescriptions, mostly generic, but is in good physical health otherwise.  He also has a DNR in place, so very long hospitalizations are unlikely.  My understanding is that nursing home care is not covered by anyone.
So my question is -is Medicare advantage or Medigap better for him?  Thank you.

MEDICOVERAGE AGENT RESPONSE
Linda,
You are asking all the right questions. In any decision you will want to compare benefits of each plan with each plans monthly premium.  For your specific case we suggest you call us at 800-930-7956 so we can get you a quote and help you select the right plan for you and your husband.


By Carol on September 29, 2013

Very Helpful Comparison.  Thank you!


By susan on October 13, 2013

My husband, 83 and I, 67 are both on medicare and have been using my husband’s University insurance as our secondary insurance policy.  Recently they want all retirees to enroll in their sponsored United Healthcare Group Medicare Advantage program for 396.40 a month. I am not for sure what the benefits are for this plan but we do want a plan that will step in and help out when our medicare coverage stops.  Please advise.  Susan

MEDICOVERAGE AGENT RESPONSE
Your situation is pretty specific.  $400 for a medicare advantage plan seems pretty pricy. Give us a call and we can discuss.
-Chris from Medicoverage.com


By Christine on October 16, 2013

Thank you for this site!  This helps!  Yes, I am convinced that Medigap is better than Medicare Advantage.  My concern is that I don’t want to have to pay more for Part D.  I am under 65, on medicare for disability, but other than that I am reasonably healthy and do not currently have any need for prescription drugs.  Are there other options other than Part D for the occasional antibiotics or medications that I may need?

By the way, looking at Part D plans, the cheapest is under AARP MedicareRX Saver Plus… is this for age 55+ only?

MEDICOVERAGE AGENT RESPONSE
Hi Christine,
For occasional antibiotics most of our clients use the discount drug clubs available at Target, Walmart or Walgreens. Often generic drugs are only $4.  The reason you would consider a Part D plan is to cover you if you were prescribed a much more expensive brand name drug. The cost for certain medications can add up quickly and a Part D plan can help contain costs. Also you will want to consider a Part D plan during your first open enrollment time. If you don’t sign up then you could be subject to a penalty.

If you would like to talk about specific Part D plans, please give us a call.
-Michelle at Medicoverage.com

 


By Dixie Jones on October 30, 2013

Tx for the info on your site, it is very helpful. Am I correct in interpreting the basic Medigap plan benefit of “Total cost of 365 extra hospital days in your lifetime” to be a one-time limit (not an annual limit), and if you need more than 365 days hospitalization in your lifetime, that neither Medicare, nor any Medigap policy will be of any help?

<MEDICOVERAGE AGENT RESPONSE</STRONG>

Dixie,
Thanks for your question. You are correct that the Medigap limit is a lifetime limit, not an annual limit. However, these 365 days are NOT a replacement of the 90 days you receive from Original Medicare…they are additional days.

Read our article about how Medigap covers costs beyond Original Medicare to learn more.
-Chris from http://www.medicoverage.com


By Joanne on November 05, 2013

This is all so helpful and glad to get clarification between Medigap and Advantage plans - I almost made a misinformed mistake!  I still have some questions though… one is that I’ve read that Medigap Plan F is not available in Michigan and just plan A & C are the only options - is this true? Also, the difference I see between Plan C & F is that “Part B Excess” is covered at 100% and nothing for Plan C.  Can you please tell me what is Part B Excess and is this a big deal to not have it available?  Thanks!

MEDICOVERAGE AGENT RESPONSE

Joanne,
Thanks for the questions. If your doctor charges more than the Medicare agreed amount that is considered a Part B excess charge. If you do not have a Medigap plan that covers excess charges, you would have to pay that additional amount out of your own pocket. On the other hand, a Medigap plan that includes the Part B excess charges benefit will pay that additional charge for you. As more and more doctors have complained about low Medicare reimbursement, we feel that this benefit will be important to have in the future.

As for Medigap Plan F, it is available in Michigan. What you may be looking at is plans in your particular area or a provider in Michigan that doesn’t offer Plan F. Call 800-930-7956 to learn which plans are available in your area.
-Eric from Medicoverage.com


By Lisa on November 25, 2013

How much are copays or costs out of pocket normally for a MRI in advantage plans? I called Blue Cr and they will not tell me. Odd.
Thanks!

MEDICOVERAGE AGENT RESPONSE

Lisa,
Thank you for your question. Medicare Advantage plans cover services differently depending on the exact plan and specific network. Please give us a call and we can discuss how costs work.
Chris from www.medicoverage.com


By Louise on December 10, 2013

My 85-year old mother has Medicare supplement plan with Bankers Life & Casualty. Monthly premiums now over $500.  Need to look at alternatives in NH.  Thinking Medicare Plan F option would be something to consider as she lives on social security income.  Any suggestions would be appreciated. 

MEDICOVERAGE AGENT RESPONSE

Louise,
Thank you for your question. Medigap F is the most popular and comprehensive of all the Medicare Supplement plans. You can get a quote for it on our sister site at <a href=“https://www.senior65.com”>Senior65.com.
-Chris at http://www.medicoverage.com


By John on December 15, 2013

Thank you for making your site available.  My question is, when you sign up for a Medicare Advantage plan, do you pay for the plan and Medicare parts A and B?  Or do you just have to pay for the Advantage plan?  The same question applies if you purchase a Medigap plan.  Medigap cost plus Medicare Parts A and B?  Thank you.

MEDICOVERAGE AGENT RESPONSE

John,
Thank you for your questions. Most seniors with Medicare do not pay a Part A premium. With Medigap you are still responsible for Original Medicare’s Part B premium. This is because it is a supplemental plan. Medicare Advantage replaces Original Medicare, and therefore whether you pay your Part B premium will vary by the insurance provider you choose. The financial benefit of Medicare Advantage is that many times MA plans do not require a monthly payment.
-Kelly at Medicoverage.com


By Lelia on January 06, 2014

Nice! Just wanted to respond. I thoroughly loved your post. Keep up the great work on www.medicoverage.com . wish you luck in New Year!


By Judy on January 17, 2014

I am researching medigap and advantage plans. The last agent we had to discuss medigap said that most des. Will eventually get out of advantage and then if we choose to switch from advantage to medigap we will be denied access or at a very high premium. And that advantage seniors will end up having to go to authorized clinics in years to come. Are these just scare tactics or is there any truth in this

MEDICOVERAGE AGENT RESPONSE

Judy,
Great question. Medicare Advantage (MA) offers a smaller network of doctors and hospitals, whereas Medigap works with the entire Medicare network of doctors and hospitals. And if you were to decide at some point that you wanted Medigap after you’re initial enrollment period, you may be denied and charged a very high premium. Call 800-930-7956 and an agent will help you decide whether an MA plan or Medigap is right for you.
Eric from Medicoverage.com


By Jerry on February 09, 2014

Your site is VERY helpful.

... we are a healthy, new to Medicare couple with no history of medical issues.  We have limited scripts (2) that are low and medium generic levels.

Are near to choosing Advantage Plan vs. Medigap because historical medical needs have been minimal. We understand total exposure for Advantage plan is $4700 each.

Given our generally healthy histories, low script needs and no cost for Advantage plan, we lean that direction.

However, you indicate that if we choose a Medigap plan later that we will be penalized for that decision. Is it worth $5,000 to $6,000 more for our first year enrollment?

We have three days to retract our enrollment in Advantage so we appreciate a prompt response, if possible.

Appreciate your input.

MEDICOVERAGE AGENT RESPONSE

Jerry it looks as though you have done your homework. There is no guarantee that you will be approved at a competitive rate if you try to apply for Medigap after open enrollment.  Only you can determine if the money saved on Medicare Advantage (MA)  is worth that risk.


By Dorothy on March 15, 2014

I am 59 and after 24 months on disability I am eligible for medicare. I will go with an advantage plan because medigap is too costly for me. However, if I want to switch to medigap at 65, will I fall under the 6 month ‘rule’ where those just turning 65 can’t be charged more or denied coverage for a medigap policy?

MEDICOVERAGE AGENT RESPONSE
Dorothy,
You will have an open enrollment once you turn 65 with guaranteed approval. Hope that helps,
Chris at Medicoverage.com


By Paris escort service on March 21, 2014

Wow! This blog looks just like my old one! It’s on a completely different subject but it has pretty much the same page layout and design. Outstanding choice of colors!


By Andy on April 23, 2014

medi-gap sounds like the way to go depending on the cost of a plan D Were just to used to a typical medicare-advantage plan



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