Medigap Questions, Answered Plainly

What’s the difference between Medigap and Medicare Advantage?

They solve different problems, and a lot of people get talked into the wrong one. Medicare Advantage (Part C) replaces Original Medicare with a private plan, usually with a network of doctors and often a $0 premium, but with copays for most services. Medigap works alongside Original Medicare to cover the gaps — deductibles, copays, coinsurance — and lets you see any doctor nationwide who accepts Medicare, with no network. Medigap plans generally cost more per month but far less when you actually need care.

When can I actually enroll in a Medigap plan?

The best window is your Medigap Open Enrollment Period — the 6 months starting the month you turn 65 and have Part B. During this window, insurers generally can’t deny you coverage or charge you more for pre-existing conditions. Outside that window, in most states, you can still apply, but insurers may use medical underwriting and can decline coverage or charge higher rates. A few states require guaranteed-issue access year-round — worth checking for where you live.

Why do identical Plan G policies cost different amounts?

Because the benefits are standardized by law, but the price isn’t. Insurance companies price the same coverage differently based on their own costs, claims history, and how they’re betting on your area. That’s the entire reason comparing carriers — not just plan letters — is worth the ten minutes it takes.

Can I switch Medigap plans later if I don’t like my choice?

Yes, technically, at any time. Practically, if you’re outside your open enrollment window, the new insurer can ask medical underwriting questions and may deny you or charge more. This is why getting the comparison right the first time — during your open enrollment window — matters more than people realize going in.

Does Medigap cover prescription drugs?

No. Medigap plans sold today don’t include drug coverage. You’d pair a Medigap policy with a separate Part D prescription drug plan.

Is MedigapScout an insurance company?

No. We’re an independent informational resource, not an insurer or a government agency. See our full disclosure for how we’re structured and how we’re paid.