Medigap & Supplement Plans
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How Medicare Supplement policies work, which plans to consider, underwriting, rate changes, and whether Medigap is worth it.
June 18, 2026
Scheduled Surgery and Buying Medigap: What Actually Happens and the Underwriting Lie That Can Cost You the Policy
What happens when you have a surgery on the calendar and apply for a Medigap plan? Medicare agents explain the critical difference between guaranteed-issue enrollment and underwriting, why lying on a Medigap application can lead to policy rescission, and how to time elective procedures around enrollment windows.
Is Medigap the Same as 'Secondary Insurance'? 65 Agents Can't Agree
We asked 65 licensed Medicare agents whether Medigap and 'Medicare secondary insurance' are the same thing. The split was nearly 50/50, and the vocabulary confusion has real financial consequences when employer plans, TRICARE, Medicaid, or VA benefits enter the picture.
Understanding Medicare Supplement Medical Underwriting: A Story of Making Informed Choices
A walkthrough of Medicare Supplement medical underwriting, including the Medigap Open Enrollment Period, guaranteed issue rights, pre-existing condition waiting periods, and the health conditions that can affect your eligibility.
Are Hospital Indemnity, Critical Illness, and Cancer Plans Smart Add-Ons or Upsells?
Licensed Medicare agents weigh in on whether hospital indemnity, critical illness, and cancer plans are worth the cost. Get both sides of the debate with real numbers and practical frameworks to decide.
Why Medicare Supplement Rates Increase and How Beneficiaries Can Reduce Costs
Medicare Supplement premiums are rising across the country. Learn why Medigap rates increase, what options are available, and practical strategies to reduce your costs without sacrificing coverage.
Navigating Medigap: Rate Hikes & Coverage Denials
We are coming off of what may be the most disruptive two years in Medicare's sixty-year history. As we start a new year, it feels like the right time to give you a high-level look at the Medicare landscape and some of the challenges I see for seniors in 2026.
Beyond Medigap Birthday Rules: Your Complete Guide to Not Getting Lost in Medicare Land
So you read that CBS News article about Medigap birthday rules and thought, "Great, another Medicare rule I didn't know existed!" Don't worry—you're definitely not alone.
Is Original Medicare Enough? 5 Essential Services It Doesn’t Cover
Original Medicare covers a lot—but not everything. Discover 5 essential services Medicare Parts A & B don’t cover, from dental to long-term care, and learn how to protect yourself from surprise costs.
Medicare, Medications & Mistakes: Avoiding Costly Underwriting Surprises
Avoid costly Medicare underwriting surprises by understanding how certain medications can impact your insurance eligibility. Learn which prescriptions raise red flags and how to navigate the system to protect your coverage.
Learn How Medigap Insurance Functions
The article explains that to buy a Medigap policy, you need Original Medicare (Parts A and B), and it covers only one person, so spouses need separate policies. It also details how Medicare pays its share first, followed by Medigap covering additional costs, with policies renewable yearly as long as premiums are paid, distinct from Medicare Advantage Plans.
The Pros and Cons of Medicare Supplement Insurance
Medicare Supplement Insurance, commonly known as Medigap Insurance, is designed to help cover some of the out-of-pocket costs associated with Original Medicare (Parts A and B). While Medigap can offer valuable benefits, it’s essential to weigh its pros and cons before deciding whether it’s the right choice for you.
Is Medigap Actually Worth It? The Premium Math Agents Are Quietly Arguing About
Licensed Medicare agents are split on whether Medigap premiums are worth paying long-term. Some say the predictability is priceless. Others point to rising costs that eventually exceed Medicare Advantage out-of-pocket maximums. Here's the real debate, in their own words.
Medicare Supplements: Improving Your Healthcare Coverage
As we grow older having healthcare coverage becomes increasingly important. Learn about Medigap policies, Medicare Advantage, Part D, and long term care insurance options.
Plan G Isn't Always King: When Plan N, Plan K, or High-Deductible G Actually Beats It
Medicare agents break down the real math behind Plan G alternatives. Learn when Plan N, Plan K, or High-Deductible Plan G saves you money without sacrificing the coverage you need.
Best Supplemental Insurance Companies for Medicare: What Brokers Actually Recommend
Real Medicare brokers weigh in on the best Medicare Supplement insurance companies, what to look for when choosing a carrier, and how to keep your premiums under control.