As long as your doctor accepts Medicare, the Doctor has to take your Medicare Supplement – regardless of the company. However, when someone is enrolled in a Medicare Advantage plan, you must check to see if your Doctors are in-network or out-of-network with your plan.

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Yes! A Medigap policy can be converted/changes to a new Medigap policy any time during the year. Conversely, a Medicare Advantage plan can only be converted during the Annual Enrollment Period (AEP) which is October 15th through December 7th.

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Buy a Medigap policy when your are first eligible.

During open enrollment.

Outside open enrollment.

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No! Medicare is a federal program and does NOT cover you outside of the country. However, if you have a Medicare Supplement policy, eight of the plans have coverage for “foreign Travel.” The care must be a Medically-necessary emergency beginning during the first 60 days of your trip. That coverage has a $250 deductible and a $50,000 maximum. If the Medicare Supplement policy you choose has foreign travel benefits, you pay the $250 deductible, 20% of the remaining charges and all amounts over the $50,000 lifetime maximum. If traveling for an extended period of time it is recommended to also get additional travel insurance.

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Several factors are calculated in the premium including claims history, age, zip code, sex and health. Companies that have higher than 65% claims loss ratio (Medicare suggestion) may charge a higher premium and have larger yearly increases in order to pay claims and stay solvent. Conversely, a carrier that has a 65% or lower claims loss ratio will be more competitive and keep increases lower over the years. When deciding on a company, look at the percentage amount of increases over the years. The carrier with the lowest percentage will most likely be the most competitive over the long run.

Every Medigap policy must follow federal and state laws designed to protect you, and it must be clearly identified as “Medicare Supplement Insurance.” Insurance companies can sell you only a “standardized” policy identified in most states by letters. All policies offer the same basic benefits but some offer additional benefits, so you can choose which one meets your needs. In Massachusetts, Minnesota, and Wisconsin, Medigap policies are standardized in a different way.

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Keep in mind that Medicare is a Federal program. One of the most attractive features of a Medicare Supplement is the ability to receive services from providers and hospitals nationwide. As long as the provider accepts Medicare, you can use any carriers Medicare Supplement for secondary coverage. Other than changing your address with the carrier, there is no need to convert/change to a new Medicare Supplement plan. All standardized Medicare Supplement plans are portable.

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