General Medigap Questions
Can I have both Medigap and Medicare Advantage?
No. It's illegal for insurance companies to sell you a Medigap policy if you have a Medicare Advantage plan. You must have Original Medicare (Parts A and B) to buy Medigap.
Do I need Medigap if I have employer coverage?
Maybe not. If you have comprehensive employer coverage that pays after Medicare, you may not need Medigap. However, review your employer plan carefully to understand what it covers.
Can I be denied Medigap coverage?
Outside your Open Enrollment Period and without guaranteed issue rights, yes. Insurance companies can deny you coverage or charge higher premiums based on your health conditions.
When is the best time to buy Medigap?
During your 6-month Medigap Open Enrollment Period, which begins the first month you're 65 or older and enrolled in Medicare Part B. During this period, you cannot be denied coverage or charged more for health conditions.
Coverage Questions
Does Medigap cover prescription drugs?
No. You need a separate Medicare Part D prescription drug plan for drug coverage.
Will Medigap cover me when I travel?
Most Medigap plans (C, D, F, G, M, N) include foreign travel emergency coverage at 80% of costs, up to plan limits. This covers emergency care outside the U.S.
Does Medigap cover dental or vision?
No. Medigap only covers costs related to Medicare-approved services. You'll need separate dental and vision insurance for those services.
Cost Questions
Why do prices vary so much between insurance companies?
While all Plan G policies must offer identical coverage by law, insurance companies can charge different premiums based on their costs, claims experience, and business model. Always compare multiple companies!
Will my Medigap premium increase over time?
Yes. Most Medigap premiums increase annually due to inflation, age (if you have attained-age pricing), and claims experience. Expect increases of 3-7% per year on average.
Are there discounts available?
Many insurance companies offer household discounts (if both spouses enroll), electronic payment discounts, and other savings. Always ask!
Enrollment Questions
Can I switch Medigap plans?
Yes, you can apply to switch at any time. However, outside your Open Enrollment Period or guaranteed issue situations, you'll need to pass medical underwriting and could be denied or charged more.
What is guaranteed issue?
Guaranteed issue rights give you the same protections as Open Enrollment in certain situations, such as losing employer coverage or leaving a Medicare Advantage plan under certain conditions.
Do I need to see a doctor for underwriting?
Usually no. Most underwriting is done through a health questionnaire. However, some companies may request medical records for certain conditions.
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