Medigap Advisors Blog
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At Medigap, we’re dedicated to helping residents find better healthcare solutions that lower costs and increase healthcare freedom. Explore our blog for expert insights, strategies, and alternatives that put you in control of your healthcare choices.
Most Popular
2027 IRMAA Brackets: Income Thresholds, Surcharges, and How to Appeal
Here is the odd thing about the IRMAA brackets 2027 will...
AARP Medicare Supplement Plans: Is UnitedHealthcare the Right Fit for You?
Millions of seniors trust AARP Medicare supplement plans...
Best High Deductible Plan G Medigap Plans: Aetna vs. UnitedHealthcare
If you’re in overall good health, you have some savings,...
Missed your MediGap Open Enrollment Deadline? Here’s What to Do
The best time to enroll in a MediGap policy is during the six-month Open Enrollment Period, which begins the month you turn 65 and have Medicare Part B. Key Takeaways Missing your Open Enrollment window still leaves options open. You can apply for MediGap coverage...
Medicare Creditable Coverage: What You Need to Know
As you approach 65, understanding Medicare creditable coverage can help you avoid costly penalties and make confident healthcare choices. Key Takeaways Creditable coverage lets you delay Medicare enrollment without penalty, but only under specific conditions. Your...
What Is Medicare Form L564? Complete Guide to Your Request for Employment Information
Medicare Form L564 is the document that protects you from a lifelong Part B penalty — and it's simpler to complete than most people realize. It sounds like a simple question, but it isn’t. If you're working past 65, or you recently retired from a job that covered you...
How to Pass MediGap Underwriting
MediGap, also known as Medicare Supplement Insurance, is designed to cover the gaps in Original Medicare (Part A and Part B), such as your copayments, coinsurance, and deductibles. Key Takeaways Enroll early — it is your best protection. Your six-month open enrollment...
Can I Change Medigap Plans?
If you’re wondering whether you can change Medigap plans, the answer is yes—but there are a few things to consider first. Medigap plans aren’t set in stone. Your current plan might raise its rates, reduce benefits, or even shut down. At the same time, new options...
Can Medicare Take Your House? What Seniors Need to Know
Can Medicare take your house to pay for medical bills is one of the most frightening questions seniors ask. The short answer is no—Medicare does not have the authority to seize your home or recover costs from your estate. However, this common fear stems from confusion...
Medicare Plan G Pros and Cons: Is Plan G Right for You?
Understanding Medicare Plan G pros and cons is the key to...
Does Medicare Cover Non-Working Spouses?
The good news is, yes—Medicare does cover non-working...
IRMAA Brackets and Income Thresholds for 2026: What You Need to Know?
Did you know the IRMAA brackets and income thresholds for...
Latest Post
What is the “Maximum Out-of-Pocket” in Medicare Plans?
In the Medicare context, your Maximum Out-of-Pocket,” or “MOOP,” is the greatest amount of money you may need to pay out of your own resources in any given plan year. Once you reach your maximum out-of-pocket limit, your Medicare Advantage, Medicare Part D...
TRICARE For Life and Medicare Advantage, What to Weigh First
If you have TRICARE For Life, you already hold something most Medicare beneficiaries pay a monthly premium to get. That single fact changes how a Medicare Advantage plan should look to you, and it is the part most general Medicare guidance leaves out entirely. In this...
Open Enrollment for Medicare and What to Review First
Open enrollment for Medicare runs from October 15 to December 7, and what you do in those eight weeks sets your costs for the whole next year. Most people treat it as a chance to shop. It is better understood as a chance to review, because the plan you already hold is...
What are the Best Medicare Supplement Plans?
What is the best Medicare supplement insurance plan? A simple question that has a surprisingly personal answer. If you’re turning 65, already on Medicare, or helping a parent choose a plan, it can feel overwhelming. Medigap letters and plan charts can be hard to sort...
FSA vs HSA at 65: What Medicare Means for Your Accounts
The FSA vs HSA question changes completely the month you enroll in Medicare. Most people find that out after they've already made a costly mistake, so let me walk you through the order of operations first. The Short Version About an FSA vs HSA Two pre-tax health...
Treatment for Sciatica Physical Therapy: What Medicare Pays
Medicare pays for physical therapy. It does not pay all of it. That gap is the part worth understanding before you start a course of treatment, so let me walk you through the numbers. What Medicare Pays for Treatment for Sciatica Physical Therapy Part B handles...
Does Medi-Share 65+ Pay When Traveling Outside the U.S?
Bottom line up front: Yes, the Medi-Share 65+ healthsharing plan does help share medical expenses you may incur while traveling outside the United States. Some MediGap plans also help pay for medical care while traveling outside the U.S. But not all of them do. There...
Hip Pain After 65: When to See a Doctor and How Medicare Helps
Hip pain after 65 is one of the most common reasons older adults start limiting the activities they love. Maybe stairs have become a negotiation, or a full night of sleep now depends on which side you choose. I talk with Medicare beneficiaries every week who waited...
2027 IRMAA Brackets: Income Thresholds, Surcharges, and How to Appeal
Here is the odd thing about the IRMAA brackets 2027 will use: your income for that year is already set. Medicare looks back two years, so your 2027 premium comes from the 2025 tax return you filed in 2026. That timing catches people off guard, especially anyone who...
MediShare 65+ Health Sharing Program vs. MediGap Plan G
If you are on Original Medicare, you have two great ways to limit potentially devastating charges that Medicare won’t cover. Purchase a MediGap policy (of which Plan G is the most comprehensive and popular among new Medicare beneficiaries), or enroll in the MediShare...