I went with Medigap because I travel a lot, but now I'm paying a fortune in premiums. Did I make a mistake?

Question

Tom Rogala · Accepted Answer

You can can change to a Medicare advantage plan during Annual Enrollment.  The premium is $0 but you will have copays and a book or doctors.

Larry Dalton · Answer

Medigap gives you total independence to go wherever they accept Medicare without worrying about any additional unforeseen charges, and this does come with the upfront price, but it gives many people peace of mind. This is often referred to as "pay upfront and forget about it, or pay as you go." It is important to note that a good agent will evaluate the carrier's past history and can give you a report of the premium increases they have had, often they have had them, and the rate within the health industry that they carry. This is important when you first begin your insurance coverage.

Answered by Larry Dalton on April 3, 2025

Broker Licensed in OK & TX

Answered by Larry Dalton Medicare Insurance Agent

William Lawler · Answer

Most Advantage plans with major carriers like Anthem, Aetna, etc. have nationwide coverage plus emergency care if injured or sick on the road. You can always switch to a low or no premium Advantage plan with no underwriting during specific periods during the year.
Bill Lawler   636-500-1892

Terri Reagin · Answer

This answer is provided in a video format. Watch the agent's video response here: https://medicareagentshub.com/questions/i-went-with-medigap-because-i-travel-a-lot-but-now-im-paying-a-fortune-in-premiums-did-i-make-a-mistake#terri-reagin

Steven Graves · Answer

Not necessarily—and in fact, you may have made the right choice for your lifestyle, even if the premiums feel high. Here’s a breakdown to help you evaluate whether Medigap is still a good fit, or if it’s time to reassess:

 Why Medigap Is Often the Best Choice for Frequent Travelers
Nationwide access to care: Medigap + Original Medicare lets you see any doctor or hospital in the U.S. that accepts Medicare—no networks, no referrals.

Predictable out-of-pocket costs: Most Medigap plans (like Plan G) cover almost all Medicare-approved costs, so you’re less likely to face big bills if you get sick away from home.

Some international emergency coverage: Most Medigap plans include limited foreign travel emergency benefits.

So if freedom and predictability are priorities—and especially if you split time between states or travel extensively—Medigap is often worth the premium.

 But… Premiums Can Add Up
You’re right that Medigap plans (especially as you age) can feel expensive, especially when paired with a separate Part D drug plan.

 Good News: Medicare Advantage Plans with $0 Premium and Nationwide Coverage
There are many Medicare Advantage plans available with a zero-dollar premium and nationwide coverage, including PPO plans that allow you to see providers outside their network (though usually at a higher cost). These plans often include prescription drug coverage and extra benefits like dental, vision, and hearing.

If you’re looking to reduce premiums but want some flexibility in provider access nationwide, some Medicare Advantage plans may be worth exploring.

 Did You Make a Mistake?
No—you made a smart, informed decision based on travel flexibility and peace of mind. But it might be time to reevaluate based on your current situation.

 What You Can Do Next
Review current Medigap plans to see if there’s a lower-cost version available (switching may require underwriting depending on your state).

Steven Graves
Medicare4USA.com
214-989-7900

Nikki Rowland · Answer

You can always reapply for lower premiums with a different carrier. The coverage would remain the same if you qualify.

Ben Washington · Answer

I went with Medigap because I travel a lot, but now I'm paying a fortune in premiums. Did I make a mistake? The Medigap does allow go to any doctor in the United States that accept Medicare without worrying about networks and they include foreign travel. So it does give you flexibility which mean you pay more. Most Medicare Advantage has worldwide travel benefits and depending on the MA you go to doctors in/out network (PPO) and any doctor in emergency at in network. Depending on your medigap it does cover more out-pocket cost.

Answered by Ben Washington on May 20, 2025

Broker Licensed in IL, FL, MN, SC, TX & WI

Answered by Ben Washington Medicare Insurance Agent

Christy Jones · Answer

Possibly. Talk with a Broker who can present other Medicare options that are available to you based on your primary residence. There might be plans that are less expensive monthly that will also cover you when you travel.

Answered by Christy Jones on May 31, 2025

Broker Licensed in ID, AL, AR & 20 other states

Answered by Christy Jones Medicare Insurance Agent

David Wynne · Answer

You chose Medigap for the flexibility it offers, especially while traveling, and that was a smart move if seeing doctors nationwide without network restrictions is important to you. But if the premiums are starting to feel like too much, it may be time to review your plan.

It may be time to shop your Medigap plan — to see if there’s a more cost-effective option that still fits your lifestyle and health needs. Rates can vary significantly between insurance companies for the exact same coverage, so there may be room to save without sacrificing benefits.

Alicia Hoilman · Answer

Medigap is great for those who do travel quite a bit. Because you are able to see any doctor who accepts Medicare and there are no referrals needed or prior authorizations. Medigap is easy to use because there is less red tape to navigate through unlike other options. Having said that doesn't mean it is still the best option. If the Medigap is completely unaffordable, it is best to look at other options. Depending on the plan, Medicare Advantage PPO options can offer coverage nationwide at a fracture of the price of a Medigap, however, you would now have a network that you would need to work with, and prior authorizations are guaranteed for certain services and possibly referrals may be needed to see a specialist. Everyone's situation is different but speaking with a broker may help you evaluate your options so you can choose what will work best for you.

Answered by Alicia Hoilman on July 1, 2025

Broker Licensed in VA, DE, FL & MD

Answered by Alicia Hoilman Medicare Insurance Agent

Mark Bilgere · Answer

You didn't make a mistake, but your rates may have put you in a tough spot. All Medigap plans increase in price over time. Unfortunately, there is no way to know exactly how much they will go up. There is a history to each company increases, but past history does not guarantee future rates. So, what options do you have?

Depending on your health, you can shop for a new plan. Your health matters because you will have to pass the underwriting process. Different companies charge different prices, so if you can pass UW, you may be able to get the same plan at a lower cost.

If your able to pass UW you can also change plan levels, for example, Plan F to Plan G or Plan G to Plan N. SO you may change companies and plans or just one of them.

If any Medigap plan is just too expensive now, you can switch to a Medicare Advantage plan if there are some in your area. The premiums are typically pretty low. Just make sure you understand all the benefits and network requirement as they are significantly different from Medigap plans.

Plus, if you decide to try an Advantage plan, you have a 12 month trial right. This allows you to go back to your Medigap plan within the first year if you are unhappy with the Advantage plan.

Alison Hummel · Answer

Not necessarily, but the freedom and flexibility might not be essential if you just want to make sure you have emergency and urgent care which many Medicare Advantage Plans offer worldwide. So if you want to save the monthly premium and have peace of mind when you travel, a Medicare Advantage Plan might work for you.

Answered by Alison Hummel on May 13, 2025

Agent Licensed in NJ & PA

Answered by Alison Hummel Medicare Insurance Agent

Tom Kowalczyk · Answer

The short answer is you did not make a mistake. 

The choice between choosing a Medicare Advantage plan or a Medigap(aka Medicare Supplement policy) is a personal choice based on ones health personal needs and preferences. 

Over time many individuals needs or situation may change and your choice for your insurance coverage may change as well. There are opportunities to review your coverage and needs to see if a different plan or program would work best for you. 

Contact an independent broker for a no obligation benefits review.

Robin Mulcahy · Answer

Many Medicare Advantage plans also offer nationwide provider networks.  

Advantage plan's monthly premiums are much lower than Medigap plans, but you will have small copays for medical services.  These plans have annual out of pocket amount maximums that limit how many copays you would be responsible to pay.

I would suggest comparing how much you are paying annually for your Medigap premiums to the annual maximum limits on the Advantage plans available in your area.  

There is a good chance that you would pay less with a plan that has a lower monthly premium and copays for the actual medical services you receive.

Advantage plans also include additional benefits such as Rx medications, dental, vision and hearing aids.

Steven Bleicher · Answer

You just described one of the major reasons why you chose a Medigap. Overseas emergencies happen all the time and your plan will reimburse you up to $50,000.00 lifetime for any out of pocket expenses that you incur overseas within the 1st 3 months of that trip. Moreover, the Medigap is a great choice besides that since it is a much more predictable plan for your budget. But check with your insurance company to see if they have an “Internal Conversion” program which lowers the premium since they don't want to lose your business and can place you into a new “book of business” by the submission of a new Medigap online application. This also does not entail you having to answer any questions about your current health.

Answered by Steven Bleicher on May 25, 2025

Broker Licensed in AZ

Answered by Steven Bleicher Medicare Insurance Agent

Shelly Hefley · Answer

No, that’s a great idea but if you are healthy, it’s time to see if you can get more cost effective coverage.

Jim Willis · Answer

It really depends on where you’re traveling to. Many of the Medicare advantage plans work in most if not all states. The Aetna elite plan works in all 50 states I have found.
So the answer your original question is yes you probably could’ve done better with a Medicare advantage plan without a premium and most charges covered as long as you stay within network, but their network covers all 50 states

Hannah Skinner · Answer

Medigap plans are great for people who travel a lot because they do not have networks. You might face higher costs by going with an Advantage plan with networks if you are trying to receive treatment out of the service area. It is never a bad idea to meet with an agent and review your Medigap plan. You could be paying too much for it and could get the same coverage for much less.

Answered by Hannah Skinner on July 11, 2025

Agent Licensed in SC, AL, AR & 44 other states

Answered by Hannah Skinner Medicare Insurance Agent

Don Golding · Answer

The type of coverage, Supplemental (Medigap) vs. Advantage, costs, and your value system are very personal decisions. Everyone's circumstances are different. If the cost of your Medigap plan is becoming a burden or it no longer fits your lifestyle, I recommend a review with a local, licensed broker in your area. If appropriate, you can switch to an Advantage Care plan during the next annual enrollment period.

Answered by Don Golding on May 12, 2025

Broker Licensed in TX, AL, AR & 5 other states

Answered by Don Golding Medicare Insurance Agent

Crystal Burney · Answer

I would not say you made a mistake, everybody's situation is different, and comes with unique needs. I recommend working with a local advisor who can help you evaluate your specific circumstances and explore all of your options so you can make an informed decision that is right for you.

Answered by Crystal Burney on May 12, 2025

Agent Licensed in AR, OK & TX

Answered by Crystal Burney Medicare Insurance Agent

Fred Manas · Answer

It's understandable that high Medigap premiums are concerning, especially when you're paying for travel benefits you might not use often. However, Medigap is designed to supplement Original Medicare and fill in the gaps, potentially including some travel coverage, rather than being a comprehensive travel insurance policy. 
Medigap premiums can be quite high, and while travel coverage is a benefit of some Medigap plans, it's not a guarantee of international coverage. It's important to remember that Medigap is designed to help you cover Medicare costs within the United States and its territories. 
If you find the Medigap premiums too high, you might consider exploring other options, such as:
Looking at different Medigap plans:
.
Medigap policies vary, and some may offer more comprehensive coverage and benefits for a lower premium, according to GoHealth. 
Exploring Medicare Advantage plans: 
Medicare Advantage plans can offer additional benefits like travel coverage and may have lower monthly premiums, according to Boomer Benefits. 
Consider purchasing separate travel insurance: 
This can be a more cost-effective option if you primarily need travel-specific coverage. 
Review your Medigap plan's coverage details carefully:
Understand exactly what it covers and what it doesn't, including the travel benefits. 
Ultimately, the decision of whether you've made a mistake with your Medigap plan depends on your individual needs and budget. It's best to carefully review your plan details, compare your options, and consider your travel needs before making any decisions.

Vachik Chakhbazian · Answer

Medigap plans can be more expensive than Medicare Advantage plans, but Medigap policies cover all the areas where Medicare has limitations, which is beneficial for travelers. Medigap might not always be the best choice for everyone.

Answered by Vachik Chakhbazian on April 13, 2025

Agent Licensed in CA, AL, AR & 22 other states

Answered by Vachik Chakhbazian Medicare Insurance Agent

Mike Henry · Answer

Probably not. Some companies allow you to re-write your Medicare supplement. Lower costs but same plan. If not find another company. If your health is good enough you can get another company with same plan and benefits

Answered by Mike Henry on July 8, 2025

Agent Licensed in TX

Answered by Mike Henry Medicare Insurance Agent

Todd Bostic · Answer

With a Medigap you are basically prepaying for your expenses, so when you go to the hospital or doctor or even have lab work, that will not cost you anything. However, with a Medicare Advantage, if you travel and have an emergency, it is covered, no matter where you are, you just have to pay for some of your copayments and it might be worth the savings.

Answered by Todd Bostic on July 8, 2025

Broker Licensed in TX, AL, AZ & 12 other states

Answered by Todd Bostic Medicare Insurance Agent

Toni Chavez · Answer

Thanks for your question

No, I would say you didn’t make the wrong decision as you have the ability as your situation changes to look at the other options available. I recommend finding a local broker that can look at your situation. Make recommendations compare plans and enroll you if you decide to take one of the other options.  There are good PPO options available that do have a travel benefit when you’re outside of your residential state and the good news is you could potentially save on your bottom line.  

If you have been on a Medicare supplement, you get what’s known as a trial by right option moving to a Medicare advantage plan you can try out for 12 months. Who qualifies: People who joined a Medicare Advantage plan for the first time ever at age 65. If you do not like it, you can go back on the same plan you were on new rates will apply but no underwriting.  the only change if gou go back to the medsupp the current rate will apply.  

This is what I recommend to all my clients when they are looking to save money.

Hope this answers your question. Enjoy your day.

Karen Ansell · Answer

No you did not make a mistake. Medigap plans are good anywhere in the United States as long as the provider accepts Medicare and the charge is approved by Medicare.

Some of the Medicare Advantage plans have nationwide coverage. This does not mean it covers all Medicare  providers. Also in an emergency situation the plan will pay any Medicare approved provider.

Example. I live in Jacksonville, FL. Mayo in Jacksonville does not accept any Medicare Advantage plan except in an emergency situation.

Jerry Cohen · Answer

It depends. The questions does not state the destination of the travel , whether it is in the U.S. or outside the boundaries of the U.S. Medicare supplement plans C, D, E, F, G, H, I, J, M, and N pay up to $ 50,000 for costs involved in medical care abroad for an emergency. Within the United States a Medicare supplement provides coverage throughout the country as long as a provider accepts Medicare. Many Medicare Advantage plan networks also provide national coverage and many plans also have out of network coverage and generally speaking Medicare Advanatge plans are less costly than Medicare Supplements even though they have greater restrictions.

Answered by Jerry Cohen on May 2, 2025

Broker Licensed in NY

Answered by Jerry Cohen Medicare Insurance Agent

Mel Stevens · Answer

Medigap policies can be expensive. Keep in mind that coverage would be in effect if you have an emergency when traveling and holding a Medicare Advantage policy as well. However, if you need ongoing medical care while traveling a Medigap policy is probably the right decision even though the cost may be higher. The question is how much do you travel, how long are you in a particular location at one time and how much medical care do you need? If you travel to a particular location for a period of time like a few months, there are some Medicare Advantage providers that offer a passport option where you can transfer coverage to that particular location as long as they are notified ahead of time. If you are thinking about this option, it's always a good idea to verify coverage protection with the Insurance carrier in the other location you plan to visit.

Answered by Mel Stevens on April 8, 2025

Broker Licensed in AZ

Answered by Mel Stevens Medicare Insurance Agent

Rick Balistreri · Answer

It is never a mistake to go with a Medigap plan. If you need to save money because premiums have increased, consider another Medigap plan, such as Plan N. There is a copay of $20 for doctor visits and $50 for ER visits if not admitted. A Plan N also does not cover 15% excess charges, but the premium can be $30 to $60 lower per month. It is best to consult with a Medicare specialist that can compare premiums for you. Keep in mind that if you want to go back to your original plan, you may be subject to underwriting, depending on your state options for Medigap plans.

Answered by Rick Balistreri on May 19, 2025

Agent Licensed in MO, AZ, FL & 7 other states

Answered by Rick Balistreri Medicare Insurance Agent

Ingrid Kollmann · Answer

No, you did not make a mistake! Medicare Supplement Plans are perfect for people who travel a lot throughout the US. What you could do is have your local agent shop other carriers' plans. Medicare Supplement Plans are nearly identical but compete on a premium level.

Answered by Ingrid Kollmann on June 24, 2025

Agent Licensed in CA

Answered by Ingrid Kollmann Medicare Insurance Agent

Robert Barco · Answer

I do not believe you made a mistake choosing a Medigap insurance policy since you travel a lot. Unfortunately, Medigap policies do go up as you age and the insurance companies will adjust rates based on their claims history. Consult with a broker to find a different Medigap plan with lower rates. If you can pass underwriting, your policy change should be easy.

Answered by Robert Barco on April 23, 2025

Broker Licensed in OH

Answered by Robert Barco Medicare Insurance Agent

Dominic Javier · Answer

Issuance and sales of Medigap (Medicare Supplement Insurance) plans are regulated by States, which have varying laws 'bluesky' like guaranteed issue rights, marketing, commissions, etc. And, depends on the medigap plan (A to F) you are subscribed with. For instance, the foreign travel benefit pays 80% of charges after the $250.00 deductible, up to a $50,000.00 lifetime maximum. Your premium depends on the plan you acquired.

Answered by Dominic Javier on April 15, 2025

Broker Licensed in TX

Answered by Dominic Javier Medicare Insurance Agent

Ryan Ross · Answer

Not at all, you made a smart choice based on your lifestyle! Medigap is great for travelers because it offers flexibility and fewer restrictions, especially nationwide.

Yes, the premiums are higher, but you get predictable costs, no networks, and peace of mind wherever you go. If your needs or travel plans have changed, it might be worth reviewing your options to see if a more cost-effective plan fits your current situation better. Want to chat about it?

Al Saponar · Answer

Many people that travel a lot choose a Medigap plan.  Medigap plans can be used with any provider that accepts Medicare.

Medicare Advantage plans are less expensive, but they all use a Network of providers, if it is a national carrier, they do have national networks. Urgent care and emergency coverage would be available nationwide, but other care would have to be from in network providers for the plan chosen.

Heith Huguet · Answer

Not necessarily. A review of your current plan vs the other Medicare Health Plans available to you should be done. Also looking at the prescriptions you take, the pharmacy you use, the doctors you see, and the hospital you go to are all important factors to consider and compare.

Answered by Heith Huguet on May 22, 2025

Broker Licensed in LA & MS

Answered by Heith Huguet Medicare Insurance Agent

Julia Alves · Answer

Not really! There’s no one-size-fits-all solution when it comes to Medicare. Every situation is different, but if you’re looking at your monthly premium and starting to wonder if it’s still worth it, you’re definitely not alone.

Medigap is a solid choice… for some people! These plans let you see any doctor that takes Medicare, nationwide, with almost no out-of-pocket costs (depending on the plan). That’s a huge perk if you’re traveling often or just want the freedom to go where you want without dealing with networks or referrals. Many also offer limited coverage for emergencies abroad.

If you value convenience or travel often, and it fits your budget, I don’t think Medigap is a mistake. And even if your travel or budget has changed, it still wasn’t a mistake—your priorities just shifted. The good news? In most cases, your coverage can shift with you. If you’re no longer traveling much or the premium just isn’t working for you anymore, it may be worth looking at other options.

Veronique Kasbarian · Answer

If you sign up with a Medicare Advantage plan that are based on zip code, so if you need medical care and are out of the network you would have to pay out of pocket and that could cost alot more..

Darla Anderson · Answer

Not necessarily, there is no one size fits all box with Medicare. Shopping every year or two helps keep Medigap costs down if possible.

I went with Medigap because I travel a lot, but now I'm paying a fortune in premiums. Did I make a mistake?

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I went with Medigap because I travel a lot, but now I'm paying a fortune in premiums. Did I make a mistake?

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