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.

Gary Church · Answer

No, control means you have full authority over your health care, rather than letting the insurance company dictate your health care. Regarding traveling within the US, you can take your health plan and see any doctor that accepts Medicare. As long as you can afford to keep your current Med-Gap plan, I would highly recommend that. You can pay now or pay a lot later.

Answered by Gary Church on August 22, 2025

Broker Licensed in Ca, AZ, NV & TX

Answered by Gary Church Medicare Insurance Agent

Steve and Sue Brauer · Answer

Hi. Thanks for watching. My name is Steve. I'm the husband of the Medicare team here in Arizona. So the question we're looking at for today is someone asking, "I went with a Medigap plan because I travel a lot, but now I'm paying a fortune in premiums. Did I make a mistake?" Not necessarily a mistake. I mean, some people like Medicare plans, some people, they call it supplements. Also, some people like Medicare Advantage plans. It really depends on your situation.

But here's the thing. Recently, we're in November now of 2025. Over the last few months, the Medigap or supplement plan premiums have just skyrocketed. They've gone up 30, 50, sometimes $100 a month. The insurance companies are claiming it's Covid claims from back in 2020. Who knows what the real answer is? But that's what they're saying.

So, if you live here in Arizona, certain parts of Florida, if you're in the middle of the valley of Arizona, in my opinion, it totally makes sense to look at a Medicare Advantage plan. Why? Because the networks are really good. If I lived in Prescott, if I lived in a rural area or out of state, I wouldn't even consider it. Because the Advantage plan networks are just not that robust. But here in Arizona and the Phoenix-Scottsdale area, it's phenomenal.

So did you make a mistake? Probably not. But you can always switch.

Mike Alexander · Answer

No medigap is your best choice, you can shop carriers to get a better rate if you can qualify consider a high ded plan G or a plan n to save premium dollars

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.

Daniel Brechin · Answer

Medicare supplement programs have a monthly and are allowed to have an Increase annually only.   Daniel Brechin

Norman Smith · Answer

No! You have access to the best Medical doctors and facilities ANYWHERE across the USA and its territories. Won’t have that with an MA Plan. Network coverage or absorbing a Maximum Out Of Pocket that averages over $5,000 a year, to see only their doctors, and their APPROVED surgeries or solutions, can leave you well off, and then paying out of pocket to get service from a more qualified professional. The MA plans are pretty until you really have to use them!

Answered by Norman Smith on November 4, 2025

Agent Licensed in FL, AL, NJ & PA

Answered by Norman Smith 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.

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

Terri Reagin · Answer

You didn't make a bad decision. Medigap plans are very good plans, very portable. There's nothing wrong with them. However, there is a misconception that Advantage plans do not travel well. Most Advantage plans will have out-of-state emergency coverage with ER. So most ERs are going to be covered on an Advantage plan. That's because by law they have to cover as good as or better than Original Medicare. If you're interested in that, check with your local agent about your next open enrollment date.

Christopher Boyd · Answer

Most likely, you will come out ahead compared to paying Medicare Advantage co-pays. Additionally, you will not have to negotiate Networks on an Advantage Plans when you have Original Medicare.

Bill Wheeler · Answer

The initial choice to use a Medigap plan for travel was likely a good one, but the high premiums are a significant drawback for many seniors. The trade-off is higher costs for more flexible, comprehensive coverage, especially for domestic travel. You may look into a Plan N
With lower premiums and copays. It is comparable to a Plan G.

Lynn C Shurtleff · Answer

No you didn't make a mistake, but that is usually how Medicare Supplements work. Many agents low ball and go with the lowest premium but I learned that is not the best choice in the long term. I don't know what carrier you have but many that have the lowest premiums in the beginning tend to have the higher percentage rate increases. I stick with the more rate stable companies. You can reset down to a lower rate IF you can pass underwriting, or there is another tool that can be used as well if the conditions are right and depending on the state you live in and state laws.

Answered by Lynn C Shurtleff on September 28, 2025

Broker Licensed in TN, AR, CO & 6 other states

Answered by Lynn C Shurtleff Medicare Insurance Agent

Jonathan Potter · Answer

Medicare supplement is probably the best way to do your health insurance if you travel a lot. You can ask an agent to look into a PPO Medicare advantage plan. If they get a list of your doctors you use then then can look and see if they are on a national plan and you would save money going that way. One thing to keep in mind is that you only have a year to go back to your supplement without health questions. If you are someone who only sees the doctor a couple times a year then a PPO medicare advantage would work for you if those doctors are in network.

Answered by Jonathan Potter on February 2, 2026

Broker Licensed in UT, AZ, CA & 14 other states

Answered by Jonathan Potter 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.

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

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

Vincent Murray · Answer

GREAT QUESTION.

I wouldn't say a mistake it's a choice for sure.
A national medicare ppo plan would give you the same flexibility.
All medicare Advantage plans have a maximum to protect your costs and with a ppo you can see in or out of network providers.  With a national plan most doctors would be in network.  
If medicare advantage plan, the two biggest costs are chemotherapy drugs, and in patient hospital stays.  Both can be covered for a small dollars and still save you 200 per month.  Happy to give you specifics over the phone. In person or over zoom.

Nikki Rowland · Answer

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

Lauren Fodde · Answer

I wouldn’t say you made a mistake, but it wouldn’t hurt to explore Medicare advantage options. You can still travel and be covered on a Medicare advantage plan and all of them typically have a zero dollar per month premium. Unfortunately, with a Medigap plan, you’re going to see the premiums continue to go up every single year. I would highly suggest speaking with a Medicare agent so that you can review all of your options.

Answered by Lauren Fodde on June 1, 2026

Broker Licensed in MO & FL

Answered by Lauren Fodde Medicare Insurance Agent

Don Hudson · Answer

It’s important to always remember 
This is insurance to protect you as any other insurance policy would protect your business or home or car.
It you want to take on more risk with the same flexibility, maybe think about a higher deductible supplement plan

Brian Cronin · Answer

Not necessarily — Medigap is often a smart choice for people who travel a lot because you can see any doctor nationwide who takes Medicare. The trade-off is higher monthly premiums in exchange for very predictable out-of-pocket costs and flexibility. The real question is whether you’re getting enough value from that freedom and coverage to justify the cost. It may be worth reviewing your current premium and usage to see if switching plans or strategies makes sense.

Answered by Brian Cronin on March 23, 2026

Broker Licensed in NH & ME

Answered by Brian Cronin Medicare Insurance Agent

Esther Miller · Answer

It depends on why you wanted a Medigap plans. If you wanted a plan that would offer the most coverage in the event of a big event, then no you did not make a mistake. However, if you are more concerned with your monthly budget and your Medigap premiums are a hardship, you can do one of two things: 1. Shop for a more competitive price. Unlike MAPD and prescription drug plans, you can change Medigap plans anytime during the year. 2. You can try a Medicare Advantage Plan during the annual enrollment season Oct 15 thru Dec 7th for the following year. If you like Medicare Advantage better, you can stay with it,but if you don't you still have guaranteed issue and can go back to a Medigap plan within the first year.

Answered by Esther Miller on September 29, 2025

Agent Licensed in WA

Answered by Esther Miller 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.

Sandra (Sandy) Steffy · Answer

Choosing a Medigap plan for your travels can offer advantages, such as coverage for out-of-pocket costs and the ability to see any doctor that accepts Medicare. However, if you're finding the premiums are too high, it’s worth reassessing your situation:

1. **Evaluate Your Needs:** Consider how much you're actually using your Medigap benefits compared to the premiums you're paying. If you’re not using many healthcare services while traveling, it might be worth exploring other options.

2. **Plan Comparison:** Look into whether there are different Medigap plans available that might provide adequate coverage at a lower premium. Some plans cover basic needs while others may offer additional features that might not be necessary for everyone.

3. **Annual Enrollment Period:** If you're considering a different plan, you typically have the opportunity to change during the Medicare Open Enrollment Period. However, be aware that switching plans might involve medical underwriting and could affect your coverage options, depending on your health status.

4. **Consider Alternative Coverage:** If Medigap premiums are becoming unmanageable, consider whether a Medicare Advantage plan (Part C) might better suit your needs, particularly if it includes travel coverage. However, make sure to review the network of providers and costs associated with these plans.

5. **Consult an Agent:** Speaking with a Medicare broker or agent can help clarify your options, and they can assist you in finding a plan that balances coverage with affordability.

Re-evaluating your healthcare needs and costs is a smart move, and ensuring you have the right coverage for your lifestyle is important. It’s never too late to reassess your options!

James Hale · Answer

No, you likely didn’t make a mistake. Traveling a lot makes Original Medicare + Medigap one of the smartest choices. You get to see any doctor or hospital in the U.S. that accepts Medicare — no networks, no restrictions when you’re on the road. That peace of mind is worth a lot.
That said, here' how to possibly lower those rising premiums:

*Shop different insurance companies for the same Medigap plan (G, N, etc.) — rates vary a lot.
*Consider a High-Deductible Plan G if you’re healthy.
*Check for spouse discounts or multi-policy savings.
*Review your Part D drug plan separately for extra savings.

Quick warning: Switching from Medigap to a Medicare Advantage plan is easy now, but going back later can be hard and/or costly if your health changes.

Ultimately you bought flexibility and protection for your lifestyle. That’s rarely considered a regret.

Joseph Meyers · Answer

Medigap plans are a better choice for a rambling man or woman, because they do NOT use restrictive networks.
Medigap plans also have a monthly premium that can and often do slowly increase over the years. This happens because medigap companies charge higer rates as their members age.
Medigap plans appeal to folks because of the predictability of a steady monthly premium and very low extra out of pocket expenses usually regardless of health complications or status.
Also, many states have guaranteed acceptance with NO health questions when a client is first joining Medicare or turning 65.
 
Gauging whether you may have made a "mistake" is a personal conversation and decision everyone will have to decide on their own.  From my business experience a medigap enrollee may want to look at other coverage options when their monthly premium payment for the medigap plan reaches $300-$500 per month. But everyone has their own budget so this may not fit all!!

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.

Nathan Danovski · Answer

Why choosing Medigap was probably a smart move for you:
	•	Travel-friendly: Medigap (especially Plans G or N) gives you nationwide access to any provider that accepts Medicare — no referrals or networks.
	•	Predictable costs: You avoid the surprise out-of-pocket costs that come with many Medicare Advantage (MA) plans.
	•	Foreign travel benefits: Some Medigap plans cover emergency care abroad, which Advantage plans often don’t.
	•	Flexibility: You aren’t stuck navigating HMO/PPO networks or needing prior authorizations.
But yes — the premiums can sting.
	•	Medigap premiums (especially at older ages or in higher-cost states) can feel steep — often $150–$300+ per month, depending on your plan and area.
	•	On top of that, you still pay your Part B premium (~$174.70/month in 2024) and Part D drug plan separately.

What to consider before switching:

If you’re thinking of jumping ship to save money:
	•	You may have to go through medical underwriting if you want back into Medigap later (unless you qualify for a special guaranteed issue right).
	•	Medicare Advantage can be cheaper up front, but:
	•	Travel flexibility is limited
	•	Networks can change yearly
	•	Cost-sharing can add up quickly if you need more care Final Thought:

You didn’t make a mistake — you made a decision that prioritized freedom, flexibility, and protection. That’s smart if you:
	•	Travel often
	•	Want to avoid networks and surprises
	•	Value access over saving every dollar

But if cost is becoming a burden, we can explore:
	•	Switching to Plan N or a high-deductible Plan G
	•	Comparing your current plan to lower-cost carriers
	•	Running a full Advantage vs. Medigap cost analysis

Michael McGarrigle · Answer

Not necessarily—you made the best decision you could with the information you had at the time.

Medigap is still one of the best options for people who travel a lot. It gives you the freedom to see doctors pretty much anywhere without worrying about networks, and that’s a big deal.

What’s changed for a lot of people is the cost. Premiums have gone up, and after a few years it can start to feel like a lot.

So the real question isn’t “did I make a mistake,” it’s “does this still fit my situation today?”

If you’re still traveling and value that flexibility, it may still be the right plan. If things have slowed down or your priorities have changed, it might be worth taking a look at other options.

That’s something we do all the time—just a simple review to see if what you have still makes sense or if there’s a better way to go.

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

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

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.

Angelina Giambri · Answer

Not necessarily. A Medicare Supplement (Medigap) plan is actually a great fit for people who travel frequently because it gives you the freedom of no network restrictions. You can see any doctor or go to any hospital that accepts Medicare anywhere in the U.S. 

That said, the trade-off is usually the higher monthly premium.

If you don’t have established doctors in the states you travel to and you’re mainly looking for flexibility while also lowering your monthly cost, it may be worth looking into a PPO Medicare Advantage plan. These plans typically have low to $0 premiums, set copays for services, and they still allow you to see providers outside of the network, usually with a slightly higher copay.

It really comes down to balancing monthly premium vs. how you prefer to access care.

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

Andrew Zurbuch, MBA · Answer

No, you didn't make a mistake. It is a guaranteed renewable Insurance Policy as long as you always pay the premiums. You can apply with another Insurance Company with the same Plan and go through the underwriting process to achieve a decreased premium rate. Please use a Broker for assistance.

Answered by Andrew Zurbuch, MBA on December 22, 2025

Broker Licensed in IN, FL, KY, MO, OH & TN

Answered by Andrew Zurbuch, MBA Medicare Insurance Agent

Kristen Skinner · Answer

No. If that was the plan you wanted to begin with, it does have the best out of pocket costs for medicare, then it is just the premiums you are upset with. You can look at the Medicare Advantage plans, which increases your out of pocket costs, when AEP comes around again. Make sure you are choosing the plan that is right for you and you know the difference.

Answered by Kristen Skinner on December 8, 2025

Broker Licensed in OK

Answered by Kristen Skinner Medicare Insurance Agent

Leslie Kaz · Answer

Not a mistake—more like a trade-off. Let’s walk it through so you can see the moving parts:

Why Medigap Made Sense for You

Travel Flexibility: Medigap pairs with Original Medicare, which is accepted almost anywhere in the U.S. You don’t have to worry about “in-network” versus “out-of-network” like you do in Medicare Advantage. For frequent travelers, that freedom is golden.

Predictable Coverage: Most Medigap plans cover the Part A and Part B deductibles, coinsurance, and other gaps. If you land in a hospital in another state, you’re not stressing about surprise bills.

Why It Feels Expensive

Premiums Are High: Depending on your age, state, and the plan (G, N, etc.), Medigap can easily run $150–$300+ per month on top of Part B and Part D.

You’re Paying for Peace of Mind: The big premium is an “insurance policy on your insurance.” Even if you don’t use much care now, you’re covering the what-ifs of travel, hospitalizations, or chronic care.

Would Advantage Have Been Cheaper?

Yes, usually on the front end. Many Medicare Advantage plans have $0 or low premiums. You’d still pay Part B, but you’d save that Medigap premium.

But: you’d be stuck using networks, needing referrals in some cases, and watching for prior authorizations. If you landed in an out-of-network hospital while traveling, you could be on the hook for big bills.

The Middle Ground

If premiums are the pain point, you could explore Medigap Plan N (lower monthly premium, but you pay a copay here and there).

Or, if you don’t travel quite as much anymore, a Medicare Advantage PPO with a national network might balance cost and flexibility.

Michael Pyers · Answer

It pays to shop with different carriers. We have routinely saved customers 70 to 100 dollars a month over the years. As long as you can answer all the health questions negatively, you could qualify for significant savings.

Answered by Michael Pyers on September 2, 2025

Broker Licensed in OH & MI

Answered by Michael Pyers Medicare Insurance Agent

DeeDee Whitlock · Answer

In my opinion you did NOT make a mistake BUT you can look at other plans that offer the exact same coverage for a better price to save money on your current Medicare supplemental plan. The advantage also you can go to any doctor or hospital in the USA that takes Medicare & you can change your plan year around. There are so many plans in the market now so competition is great to find a better premium & NOT sacrifice your coverage

Answered by DeeDee Whitlock on August 8, 2025

Broker Licensed in LA

Answered by DeeDee Whitlock Medicare Insurance Agent

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

Gus Karigan · Answer

No, you didn't necessarily make a mistake! Medigap offers broad coverage and few network restrictions. If the pricing of medigap is becoming too much, you can always look at a Medicare Advantage plan to help balance costs. You'll still be able to travel, but may have the find doctors in your network ahead of time.

Answered by Gus Karigan on October 3, 2025

Broker Licensed in IL, GA & MI

Answered by Gus Karigan Medicare Insurance Agent

Marnie Applegate · Answer

I don’t know your overall needs that you have but many people Get a Medicare supplement/Medigap plan because they are traveling and they don’t want to have to adhere to a specific network of doctors. There are a couple carriers that do offer nationwide networks for Medicare advantage plans which means you can see any doctor in their nationwide network as long as you validate that they are a current network provider for that carrier you could always meet with a Medicare agent who can look up your doctors and your prescriptions and let you know which carriers have networks that cover those doctors

Answered by Marnie Applegate on October 2, 2025

Agent Licensed in TN, AL, GA & TX

Answered by Marnie Applegate Medicare Insurance Agent

Barbara Patterson, CFP · Answer

Medugap can get expensive as you get older. You can do a trial period to go try an Advantage plan for up to 12 months and the Medigap plan has to take you back with no health questions if you want to go back in under 12 months.

Answered by Barbara Patterson, CFP on February 23, 2026

Agent Licensed in TX

Answered by Barbara Patterson, CFP 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

Anna Davis CIC-RSSA · Answer

Yes and no.
If you travel for extended periods, like snowbirds who spend six months in Michigan and six months in Florida, then a Medigap plan is a great option. It allows you to see doctors in both states without worrying about networks or referrals.

However, if you’re only traveling for a week or two at a time, your Medicare Advantage plan should work just fine—since you're still regularly seeing your primary care doctor in your hometown. And remember, if an emergency happens, you're covered anywhere in the U.S. regardless of network.

Also, many Advantage plans now offer telemedicine, so you can consult with a doctor by phone or video no matter where you are.

Donald Elliott · Answer

Medigap, or a Medicare Supplement, provides great advantages such as seeing any doctor who accepts Medicare with little or no out of pocket, but they can cost a lot. In comps, Medicare Advantage plans typically have low or no premium but high out of pocket costs. Do you want to pay now or pay later? Do you want to be in control of your healthcare options or do you want an insurance company to make those decisions? These are very real issues that I discuss often with my clients. There is no simple answer.

Answered by Donald Elliott on December 21, 2025

Broker Licensed in AL, GA & MS

Answered by Donald Elliott 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

Nicholas Ryckert · Answer

This is a tough question.  The answer is MAYBE NOT!  
It depends on where you live, what other options are available, your current health situation, your current financial situation, are you still travelling, and more.  In general, if you have serious health issues a Medigap plan will likely be the best option for you.  If you are generally healthy and are willing to give up the ability to see any provider without referrals or pre-authorizations a Medicare Advantage plan may be a less expensive option.

Victoria R. Trevino · Answer

Let's take a look at your individual needs including travel, budget and utilization of services. I can help find a solution that works meets your current health insurance needs.

Shawn Ray · Answer

Not necessaily.  Many people choose Medigap because it gives them the freedom to see any doctor nationwide who accepts Medicare, which is especially helpful if you travel often. The tradeoff is usually higher monthly premiums in exchange for very low out-of-pocket costs when you actually use care.

If you’re healthy and not using services much, the premiums can feel expensive. But if having nationwide access and predictable costs gives you peace of mind, it may still be doing exactly what you wanted it to do.

Clare Goyette · Answer

No, the best Medicare coverage for today and the future is a Medicare Supplemental policy. Consider looking at the HDG, High Deductible version to save premium costs and still have the freedom to choose your own care.

Answered by Clare Goyette on June 2, 2026

Agent Licensed in FL, GA, MO, NC, SC & VA

Answered by Clare Goyette Medicare Insurance Agent

Adam Gent · Answer

It depends if you'd rather trade the premiums for potential headaches. Medigap works very easily with Medicare but you pay for that benefit. You can drop the Medigap and keep original Medicare, but you'll pick up the 20% of medical costs with no out of pocket limit. During the open enrollment you could compare to the advantage plans, but they have networks and insurance companies involved. That would offer a stop loss limit and lower premiums however. (pros/cons)

Answered by Adam Gent on August 6, 2025

Broker Licensed in IA, AL, AR & 17 other states

Answered by Adam Gent 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

Mary Brown · Answer

Not a mistake, just a tradeoff. Medigap gives you nationwide access and flexibility for travel, but the cost is higher monthly premiums. If you’re not using much care, it can feel expensive, but it’s paying for predictability and freedom.

Answered by Mary Brown on April 20, 2026

Broker Licensed in NJ, DE, FL & NC, OH, PA & TX

Answered by Mary Brown Medicare Insurance Agent

Andrew Kramer · Answer

You can get the same travel coverage with an Advantage plan, either HMO or PPO. All Advantage plans enable you to go to any urgent care in the US, and the ER of any hospital in the US for the co-pays of your plan. You also have $25,000 for foreign travel emergency.

Answered by Andrew Kramer on November 3, 2025

Agent Licensed in FL

Answered by Andrew Kramer Medicare Insurance Agent

Meghan Blankenship · Answer

[You didn't necessarily make a mistake - just a trade-off. Medigap(also called Medicare Supplement) plans are often the go-to for people who travel frequently because:

They offer nationwide coverage - you can see any doctor or hospital that accepts Medicare, without worrying about networks.

Predictable costs - many plans cover most or all out-of-pocket expenses, so you're less likely to face surprise bills. 

Great for travelers - some plans (like Plan G or Plan N) even offer limited foreign travel emergency coverage.

But yes, the premiums can be steep, especially as you age. That's the trade-off: higher monthly costs in exchange for broader freedom and fewer surprise expenses.

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

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

Carol Conner · Answer

If you’re not taking a lot of medication’s or using the hospital and doctors, then it may not be as advantageous to have a Medigap might be better to have a Medicare advantage with co-pays with a HMO or a PPO but once you go on Medicare advantage if you wanna switch back to Medicare Medigap, you have to go through underwriting health questions

Answered by Carol Conner on March 30, 2026

Broker Licensed in TX

Answered by Carol Conner Medicare Insurance Agent

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.

Jaye Maxx Alexander II · Answer

To answer your question in a open and postive way your did not make a mistake. I will explain in detail. You have no out-of-pocket expense when you go to see your doctors and any specialist with no regard to a network restrictions. The ability to speak with your tax advisor regarding your preiums that you pay for the MediGap coverage.

Answered by Jaye Maxx Alexander II on September 15, 2025

Broker Licensed in NC, AK, AL & 47 other states

Answered by Jaye Maxx Alexander II Medicare Insurance Agent

Rodolfo Rojas · Answer

You did not make a mistake. That is the coverage that you thought would be best for you.
You may want to check out some PPO plans that will allow you to see out of network when you are traveling. You could not even have a premium. If your health is good, I would suggest these. The benefit of original Medicare is that you can be seen anywhere in the US that takes Medicare, which you also have the backup of a Medigap, but they are expensive and you also have the Part B Premium. 
Call me and we can do a need analysis.

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

Michael Kim · Answer

No. If you travel alot Medigap aka Medicare Supplement Plans are designed for Travel. But if you want to save money, I can offer you a Medicare PPO plan without any monthly premiums. Call me and I will help.

Answered by Michael Kim on April 20, 2026

Agent Licensed in NV, AR, AZ & 18 other states

Answered by Michael Kim 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

Rich Baker · Answer

You’re definitely not alone in this situation - in fact it’s very common for people to start with a Medigap plan and face the pressures of increasing premiums as they get older. I don’t think you made a mistake because the coverage of a medigap plan is so good, but you may arrive at a point where a medicare advantage plan is more appropriate based on your income. Remember, though, that with a Medicare Advantage plan you may not have a premium but you WILL have copayments and co-insurances, and network restrictions on the providers you can see. In addition, if you have a lot of medical issues, the Maximum Out Of Pocket (MOOP) may be higher than your medigap premiums for the year so there’s much to consider in making a choice to make the switch. Finally, in most cases you will have to undergo underwriting if you decide to go back to a medigap plan later on, and that gets harder to pass the older we get, so the choice shouldn’t be made in haste.

Another option is to switch to a lower cost medigap plan like a high deductible plan F or plan G, which usually has a much lower premium, but carries a $2950 (in 2026) deductible, which is lower than most Medicare Advantage plan MOOPs, so it’s sort of a blend between the two. You get the same coverage (in terms of the providers) as a regular Medigap plan, with a lower premium and some cost sharing like a Medicare Advantage plan. If you’re relatively healthy this can help you save money overall with a minimized financial risk. Again, you would have to pass underwriting if you don’t have a guaranteed issue window.

Your agent can help you navigate these issues and help you choose the course of action that is right for you.

Toni Cormier · Answer

Not necessarily, there are a host of Medigap and MAPD/MA plans that will provide you coverage when you travel, this can be 1 element to review when choosing a plan but your budget and the premiums for the plan that best meets your need is another element of what needs to be reviewed. My recommendation is to have a plan review and comparison done to find the plan that better fits your needs.

Answered by Toni Cormier on July 29, 2025

Broker Licensed in TX, CA & OK

Answered by Toni Cormier 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.

John Motsinger · Answer

Not if you live in kentucky because in kentucky we have the medicare supplement birthday rule that allows you guaranteed issue into the same medicare supplement with another company every year, up to sixty days after your birthday, thus allowing you to save a lot in premium with keeping the identical coverage. My most recent success story is a client who moved from plan F with one company (where she was paying $418 a mth) an I moved her with guaranteed issue (no preexisting condition limitations) to another plan F with another company and only $223 a month. Imagine how happy she was when I saved her almost $200 a month for the exact same coverage.

Answered by John Motsinger on August 4, 2025

Agent Licensed in KY, CO, FL & 9 other states

Answered by John Motsinger Medicare Insurance Agent

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

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.

John Messler · Answer

You didn’t make a mistake choosing a Medigap plan. Travel is one of the considerations. You’ve also preserved your right to make your own choices without managed-care telling you how long and where and whether a procedure can happen.

Adam Morillo · Answer

It really depends on a few factors, but some Medicare Advantage plans offer a national network for travel in the U.S, and will cover for emergencies regardless of plan when outside the service area. Some plans will even include international travel. It's best to talk to a broker that offers both side to do a full apples to apple comparison to see what best fits your needs.

Chad Hardy · Answer

Medigap is often the best fit for people who travel a lot, since it lets you see any doctor or hospital in the U.S. that accepts Medicare, without worrying about networks. On top of that, Medigap plans cover most or all of the deductibles and coinsurance that Original Medicare leaves behind, which means your medical bills are much more predictable. The trade-off is the higher monthly premium compared to Medicare Advantage. It’s a good idea to work with an agent to review your premiums and see if there are cheaper Medigap options available, or if a different approach might still meet your travel needs while helping you save money.

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.

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.

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.

Kathleen Gonzales-Byrd · Answer

A Medicare Advantage plan (one of your other options instead of medigap) allows for emergency care. If you are traveling, and had a Medicare Advantage plan, your medical emergency care would be covered during your travels.  If you only took the medigap plan because you travel a lot the Medicare Advantage plan would cover emergency care even if you’re away from your geographic area.

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.

Matthew Moreno · Answer

It may feel like a mistake at first, however you are traveling a lot currently. Medigap Plan helps to cover you as you're traveling.  Maybe the next idea should be to try going through underwriting for a better premium?

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.

Frances Mitchell · Answer

You have to ask yourself am I better off being free of the worry or do I want to be tied down to a network and if I am someplace where I can't find in network doctors do I then have issues.  Yes med supp is more expensive but the advantages far out weigh the payments

Elliot Andrews · Answer

This depends, if you travel to multiple places for “vacation” type travel, then it is possible that a Medicare Advantage would be a better option and would save you money in premiums.  If you live in multiple places (say in one state for half the year, and a different state for the other half) AND have doctors that you REGULARLY see in both places a Medigap plan is your best option despite the higher premiums.

If you absolutely must be on a Medigap plan it is highly encouraged to regularly check premiums from multiple carriers.

Tony Carlton · Answer

Well, thank you for this question. Medicare choices can be very complicated. There are so many factors that I consider when doing a compliant Medicare presenting.
While premiums are a major factor, premiums are not the only factor to consider. So, to say that you've made a "mistake" by choosing a MedSup would be a premature diagnosis.
The good news is that you do have options. Option one is to shop around. But to streamline and simplify the shopping I would contact an independent licensed agent who can see all of the plans available in your area. Showing you the plans available and answering your questions about cost, coverage {for Medicare Advantage ~ In-Network vs Out-of-Network}, your health needs, prescription costs {formularies}.
Or you can shop for a new MedSup plan at a lower cost. You can do this because ALL MedSup Plan G's must cover the 20% of Part A & B costs that Original Medicare does not cover. Just know that if you choose to move to a Medicare Advantage plan with a $0 premium, that there is an annual Maximum Out of Pocket that most Medicare Beneficiaries don't know about.
And a word of caution because you travel, if you do choose to enroll into a Medicare Advantage plan, choose a PPO. Medicare Advantage HMO's have no Out-of-Network coverage. So, this means that if you are out of your service area or Network, that you will incur the full cost of a hospital stay.
Thanks again for this simple but complex question and God bless!

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?

Nicolas Cain · Answer

Not necessarily. Medigap is great for travelers because it offers nationwide coverage, but if premiums feel too high, you might want to compare options during Open Enrollment—especially if your travel needs or health have changed.

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.

Rosanne Thompson · Answer

When choosing a plan that works with your travel or activities, an individual has to make that decision. Traveling in the United States, all plans cover in case of emergency. When choosing a plan I would advise to look at plans that will work with your travel.

Rachel Gauthier · Answer

Remember insurance is to migitgate risk.  Medigap plans, dependent on which plan you selected, can budget your healthcare to your annual premium.  For many people, having the comfort of knowing you will never drown in medical expenses is comforting.  I would say to truly answer this question sit down with a licensed insurance agent in your county to determine if this is still the right fit for you in your retirement needs.

Lara Goulson · Answer

No you didn’t make a mistake. You picked a plan that fits your lifestyle. Medigaps are great insurance with flexibility which you need since you travel a lot. You can always switch to an HMO in the future.

Kevin Price · Answer

As you age your medical premiums will rise. There’s always an option to try a Medicare advantage plan during AEP. If you don’t like the coverage you may switch back to a supplement within those first 12 months of being on an advantage plan.

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.

Zenaida Rivera · Answer

No, you didn't.  Probably you can review again your Needs Assessment and during the AEP you can change your plan for another Medigap less expensive plan for you.

Brian Maiz · Answer

Probably not and here's why.

Medigap was a smart choice for someone who travels. Unlike Medicare Advantage, it works with any doctor who accepts Medicare, anywhere in the country. That kind of freedom matters when you're on the road.

However, what your feeling now is probably premium creep. Medigap premiums rise with age, and over time they can start to sting. But here's the good news: the same coverage (say, Plan G) is offered by multiple carriers at very different price points. You may be able to get identical benefits for significantly less just by switching carriers.

The right move is a quick review of your current plan and what you're paying, what you're getting, and whether your travel habits have changed enough to reconsider your options. That's the only real way to tell for sure and that's what I'm here for.

Tatevik Melkonyan · Answer

You didn’t make a mistake choosing Medigap for its travel freedom, but you’re right to question the cost. Many travelers are discovering they can get similar peace of mind for a lot less money.

Most Medicare Advantage plans now offer $0 to very low monthly premiums (on top of your Part B) and include nationwide emergency/urgent care plus routine out-of-network coverage in all 50 states, often with an average out-of-pocket max under $5,000 a year and a bundle of extras like dental, hearing, vision, gym membership, allowance cards and more.

Maureen Breslin · Answer

you can check to see if there is a Medicare Advantage plan that is a PPO plan. Generally, they are cheaper and also allow you to travel. You can see any doctor. You are not restricted like you are with an HMO plan. Advantage plans also offer dental, hearing and vision coverage too.

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..

Laverne Ward · Answer

Why Medigap appealed to you
You travel often, so you probably liked that Medigap:
Lets you see any doctor or hospital nationwide that accepts Medicare (no networks).
Often includes foreign travel emergency coverage (some plans up to $50,000 lifetime).
Means no referrals or prior authorizations — great flexibility if you’re on the move.
Those are major advantages if you’re frequently out of state or even abroad.

What you can do now
Compare your usage – How often do you travel or see out-of-state doctors? If it’s less than before, you might not need that much flexibility.
Get quotes for Medicare Advantage (PPO) – Many PPOs now include nationwide travel benefits and $0 premiums, though you’ll have copays and may need pre-approval for some services.
Check guaranteed issue rules – If you switch from Medigap to Advantage, you can try an Advantage plan during the Annual Enrollment Period (Oct 15–Dec 7) and, in some cases, switch back to Medigap later if it doesn’t fit — but your medical underwriting options may vary by state.
Ask your agent to do a side-by-side comparison of your current Medigap premium vs top Advantage PPO options with travel coverage.

LaNeice Baker · Answer

Different carriers have different pricing for each plan. We can look at which carrier can help save money. Plan N is still Plan N, but the price can be cheaper depending on the carrier. Luckily, we can change plans if one doesn’t work out for you. You are not stuck.

Karri Todd · Answer

No! Each person is different but premiums increase as you age. More difficult to change medigap plans as are underwritten!

Alexander Spalding · Answer

Not a mistake, but it may be time to explore options to save money. Changing Medigap companies or plans may be an option, or explore other insurance solutions that may be more affordable.

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.

Robert Kelly · Answer

Medigap plans do give you the flexibility to travel since they are secondary to Medicare. The provider only needs to accept Medicare and you can use your Medigap plan to fill in. There are many Medicare Advantage plans that are PPOs that help with the network issues and they can be significant less expensive or even $0.00 monthly premium; however the costs associated with using the plan may be significantly higher even when including the Medigap plan’s premium and what ever exposures it has. But if you are reasonably healthy they could be a very viable option

Michael Hestand · Answer

If you are healthy you can switch to a high deductible medical plan or switch to a Medicare Advantage HMO that allows out of network visits as long your travel is in the USA