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.
July 29, 2026
Utah's New Medigap Birthday Rule: What It Changes, What It Doesn't, and How to Use It
Utah's H.B. 258 gives Medigap policyholders a 60-day birthday window to switch plans without medical underwriting. Here's how the rule works, what it covers, and what it doesn't.
You Paid Into Medicare for 40 Years. You Can Still Be Denied Medigap. Here’s Why
Medicare is federal and can never deny you. Medigap is private insurance and can. Agents explain the underwriting rules, the protected enrollment windows, and your options after a denial.
Medigap Birthday, Anniversary and Guaranteed-Issue Rules by State in 2026
A state-by-state guide to verified Medigap birthday rules, anniversary rules, and year-round guaranteed issue windows that let seniors switch supplement plans without medical underwriting, including newly enacted protections in Rhode Island, Minnesota, and Maryland.
When the Medicare Supplement You've Had for 20 Years Becomes Unaffordable
Plan F premiums can become crushing for seniors in their late 80s and 90s. Licensed Medicare agents explain the F-to-G-to-High Deductible G-to-Medicare Advantage downgrade ladder, the Birthday Rule workaround, and the one rule you must never break when switching plans.
Does Medigap Plan F Cover Emergency Room Visits?
Standard Plan F should cover your emergency room visit with no deductible or coinsurance to pay. Here's what the plan actually pays, why bills still show up, and how standard Plan F stacks up against Plan G and Plan N at the ER.
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.
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.
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.
Are Medigap Insurance Policies Actually Worth It?
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.