Who has to wait until October to change their Medicare plan? You may be surprised to learn that most people don’t need to wait.  A lot of people confuse Medicare Advantage plans with Medicare Supplement Insurance or Medigap plans. It’s the Advantage plans and the Prescription Drug plans that are only available in the fall. Medigap plans are available throughout the year regardless of when you first became eligible for Medicare. If you’re signing up for the first time, you can choose an Advantage plan or a Prescription Drug plan right then, too.
Medigap plans are standardized, so one company cannot offer a Medigap Plan F, for instance, with different coverage than other insurers. Does that mean all companies charge the same amount for Plan F?
Unfortunately, Medigap plan premiums are not standardized, so you can find the different premiums for the same coverage.  You just need to focus on the price and the company’s reputation when searching for a Medicare Supplement Insurance plan.  Comparison shopping is the key to saving money on health care before and after you retire.
Here on our website, you can stay up-to-date on Medicare, Medigap and Medicare Advantage and learn how you can get the most from your coverage.  As specialists, we provide complimentary professional opinions on what current Medigap Plans and Medicare Advantage Plans can do for you.  We’re independent, too.  That means we offer you a wide selection of Medicare plans from different insurance companies. Our instant quotes make it a snap to see who has the best rates.


Jim McFadden has over 11 years of executive-level experience in the health insurance industry, is a youth baseball, softball and football coach, and has one of the worst fantasy football records in the world.