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As long as you continue to pay your premiums, standardized Medigap policies are guaranteed renewable – even if you health deteriorates.

When some healthcare costs aren’t covered by Original Medicare, like co-payments, co-insurance, or deductibles, a Medicare Supplement Plan (MediGap) might be the right option to consider.

There is a lot to understand about Medicare Supplement Plans, or Medigap policies, in order to choose the right coverage. For instance, Medigap can only cover one person at a time, so a married couple would need separate policies. You can purchase Medigap from any insurance carrier licensed in your state, but it’s important to know the difference between these plans and standard insurance plans, long-term care, and other types of coverage.

Finally, like most healthcare coverage, you need to be careful about the timing of enrolling in Medigap. There is a six-month window from the time you turn 65 and/or enroll in Part B where existing health issues cannot affect your eligibility. Outside of this timeframe, with exception to special enrollment periods, you might be denied Medicare coverage. We can explain these details to you and help you enroll if you have been affected by this restriction.

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