Medicare Supplement Plans (Medigap)

When it comes to enrolling in Medicare Supplements, also known as Medigap policies, the process is more complex compared to other Medicare options like Medicare Advantage or Prescription Drug Plans. This complexity is due to several factors:

1. Extensive Underwriting Requirements: Medigap policies often require a series of detailed health questions as part of the application. This is known as underwriting, where insurance companies assess your health status to determine eligibility and pricing.
2. Varied Carrier Protocols: Different insurance carriers have their own underwriting standards and risk tolerance levels. This means that what might be acceptable for one carrier could be a reason for denial by another.
3. Personal Health History Considerations: Your unique health history plays a significant role in the approval process for a Medigap policy. Some conditions may lead to higher premiums or even denial, depending on the carrier's guidelines.

Due to these complexities, self-enrollment in a Medigap policy is not available through our online platform by means of the Medicare Supplement Plans (Medigap) section* of this website. To ensure that you receive the most accurate and personalized assistance, we recommend speaking directly with a Medicare advisor and licensed agent. They are equipped to guide you through the process, answer your questions, and help you navigate the various options based on your individual needs.

Connect with a Medicare advisor and licensed agent by calling 877-977-7026 or by completing the 'INQUIRY FORM' found further down the page as you scroll. 

A link to the Medigap Chart from Medicare.gov is provided below, where you’ll find a comprehensive overview of all available Medigap policies and the benefits each plan offers. This chart is designed to help you understand the different options, but please remember that eligibility and pricing can vary based on the factors discussed above. (Source: Medicare.gov) 

Click Button | Medigap Chart

• No Guarantee of Coverage: Enrollment into a Medigap policy can be subjected to underwriting approval and state-specific enrollment rules and guidelines. The completion of an application may not guarantee acceptance into a plan.
• Carrier-Specific Rules: Each insurance carrier may have different rules, pricing, and underwriting requirements. An agent will help you find the best fit based on your health history and needs, but final approval rests with the insurance carrier.
• Call for Personalized Assistance: While we strive to provide comprehensive information online, the nuances of Medigap enrollment make it essential to speak with a Medicare advisor and licensed agent, who can offer personalized advice and support.

We understand that discussing insurance options over the phone can sometimes feel daunting. Rest assured, licensed Medicare advisors and licensed agents can help you in a professional, respectful, and supportive manner. Finding the right professional and solution is one of our top priorities.

Please don’t hesitate to call 877-977-7026—a Medicare advisor and licensed agent is available to assist you every step of the way. Please fill out the following 'INQUIRY FORM' to request assistance in finding the right solution.