Your Online Medicare Supplement Marketplace

Standard MediGap policies are guaranteed renewable even if you have health problems. Insurance companies cannot cancel your MediGap policy as long as you pay the premiums and did not commit fraud or provide any false information. This means that if you have a MediGap policy, and you have a medical condition during this coverage period, you don't have to worry about your policy being terminated. This is enforced by Law.

MediGap is guaranteed issue during open enrollment, which lasts for 6 months and begins on the first day of the month in which you're both 65 or older and enrolled in Medicare Part B. During this period, healthy applicants will pay the same amount in premiums that a person with health issues will pay, from any provider. Outside of this period, there is no guarantee that you will be able to get coverage.
***Those residing in Massachusetts, Minnesota, or Wisconsin, will have different MediGap plan options, as these three states do not offer the standardized 10 Medicare supplement insurance plans.

Medicare Supplement insurance (AKA MediGap) is meant to compliment your existing Medicare coverage, to cover many out of pocket costs that your original plan doesn't. Medicare supplement plans are standardized. This means that plan A for one company has the same exact benefits as plan A for another company, the difference is that these companies are allowed to choose the premiums they charge for each plan, in your area. This makes shopping for Medicare supplements as easy as shopping for the least expensive plan in your state. Many agents will not tell you this. MediGap plans are labeled by letters A through N (with the exception of E, H, I and J) with Plan F being the most popular.