Are you confused about Medicare and Medigap? GoMedigap is here to help you understand your health care privileges and rights so you can make an educated decision when you enroll in Medigap.
We encourage you to call us at (866) 894-3258 to speak with our friendly and knowledgeable agents about your particular situation. Our services are completely free, and we would love to help you confidently choose a Medigap plan.
Listed below are 3 main categories our clients usually fit into: I am turning 65, I want to change Medigap plans, and I want to switch from Medicare Advantage to Original Medicare. Choose the category that best fits your situation to learn more.
1a. I am turning 65 and want to enroll in Medicare & Medigap.
Turning 65 is a big milestone into the next chapter of your life, and it is an important period of transition. While it can seem intimidating initially, GoMedigap is here to help you understand Medicare and Medicare Supplement Insurance (Medigap)!
1b. I started Medicare Part A at age 65, but will be enrolling in Part B after age 65.
Many Americans delay enrolling in Part B if they choose to work after age 65 and receive health insurance through their employer. However, if your work status changes and you no longer receive health insurance through your employer, you can enroll in Part B within 8 months (in most cases) of leaving employment, without a penalty. During these 8 months, you can also join a Medigap plan from any company, and you will not be subject to medical underwriting to qualify.
2. I already have Medicare and want to change Medigap and/or Part D plans.
One unfortunate truth about Medicare supplement insurance is that its rates tend to go up each year, much like how traditional health insurance does. This is why GoMedigap recommends for Medigap policyholders to shop the market every year to see if they can find comparable coverage at a better rate. A GoMedigap agent can help you review rates from other companies to save money—just call us at (866) 894-3258 for a free quote!
- Medigap: You can change your Medigap plan any time during the year. When you switch Medigap plans, you will undergo the medical underwriting process. Switching to a plan that better fits your needs could result in monthly cost savings.
- Part D: You can change your prescription drug plan during the Annual Election Period (AEP), which occurs from October 15th to December 7th. (Please note, you can only enroll in Medicare Part D through Medicare.gov.)
3. I have Medicare Advantage and want to switch back to Original Medicare & Medigap.
- In most cases, if you have a Medicare Advantage plan and want to switch back to Original Medicare & Medigap, you must wait until the Annual Election Period (AEP), which runs from October 15th to December 7th every year, to change your plan. During AEP, you can apply for coverage under any Medicare supplement plan you choose.
- You can also switch back to Original Medicare during the Medicare Advantage Disenrollment Period (MADP), which is from January 1 to February 14.
- There are some unique situations in which you may be able to drop a Medicare Advantage outside of AEP and MADP. You can learn more about them by reading pages 22 and 23 in the Medicare guide called Choosing a Medigap Policy,
If you have additional questions about a unique situation or if you want to look into other coverage, such as Dental, Vision and Hearing coverage, please call us at (866) 894-3258 to speak with one of our agents.
It’s completely free, and we’re confident you’ll be happy you did!