Here’s the short answer: Wisconsin does not use the standard A–N Medigap plan letter system that most other states use. That means there is technically no “Plan G” in Wisconsin — but you can purchase coverage that closely mirrors what Plan G provides in other states.

Before choosing a plan in Wisconsin, it helps to compare how the different Medigap plans work nationally. In this guide, we’ll explain why Wisconsin Medigap plans are different, how they are structured, and how to purchase a Wisconsin plan that functions like Plan G.

Why Wisconsin Doesn’t Have a Standardized Plan G

In most states, Medicare Supplement (Medigap) plans are standardized into lettered plans: A, B, C, D, F, G, K, L, M, and N. These plans are federally standardized, meaning Plan G in North Carolina provides the same benefits as Plan G in Texas or Florida.

However, three states operate under different Medigap standardization rules:

• Massachusetts
• Minnesota
• Wisconsin

Wisconsin uses its own benefit design structure approved by the federal government. Instead of offering Plan G by name, insurers in Wisconsin sell a Basic Plan with optional riders that allow beneficiaries to customize coverage.

You can confirm Wisconsin’s unique structure through the Wisconsin Office of the Commissioner of Insurance (OCI):
Wisconsin Medigap Information – OCI

For general Medicare Supplement standardization information, see:
How Medigap Policies Are Standardized – Medicare.gov

How Wisconsin Medigap Plans Work

Instead of Plan G, Wisconsin offers:

• A Basic Plan
• Optional benefit riders
• Cost-sharing options

The Wisconsin Basic Plan Covers:

• Part A coinsurance and hospital costs
• Additional 365 lifetime hospital days
• Part B coinsurance (generally 20%)
• First three pints of blood
• Part A hospice coinsurance

From there, you can add riders to increase coverage.

How to Get Plan G Equivalent Coverage in Wisconsin

To replicate the benefits of Plan G in Wisconsin, you typically need:

• The Basic Plan
• The Part A deductible rider
• The Part B deductible rider (if eligible)
• The Excess charge rider

However, there’s an important nuance:

Plan G does NOT cover the Part B deductible.

So if you are trying to replicate traditional Plan G coverage, you would:

• Include the Basic Plan
• Add the Part A deductible rider
• Add the Part B excess charge rider
• Exclude the Part B deductible rider

This structure closely mirrors what Plan G provides in other states.

If you want to better understand how Plan G works elsewhere, see our full guide here:
What Is Medigap Plan G?

Why Wisconsin Uses a Different Medigap Structure

Wisconsin retained its own Medigap model when federal standardization rules were implemented in the early 1990s. Rather than converting to the A–N letter system, Wisconsin continued with its Basic Plan + rider approach.

This system allows:

• More customization
• Potentially simpler underwriting structures
• Clear add-on options

But it also creates confusion for beneficiaries searching online for “Wisconsin Plan G.”

Is Wisconsin Plan G More Expensive?

Because Wisconsin does not use the lettered plan structure, premiums depend on:

• The insurer
• The rider combination selected
• Your age
• Tobacco status
• Pricing methodology (issue-age, attained-age, etc.)

For more on pricing methods, see our breakdown here:
Understanding Issue-Age vs Attained-Age Medigap Pricing

In many cases, Wisconsin’s Plan G-equivalent pricing is competitive with traditional Plan G pricing in other states — but comparison shopping is critical.

Can You Switch to a Plan G Equivalent Later in Wisconsin?

Just like in other states, your ability to switch Medigap plans depends on timing.

• During your Medigap Open Enrollment Period (first 6 months after enrolling in Part B), you cannot be denied coverage.
• Outside that window, medical underwriting may apply.

Learn more about enrollment timing here:
Medigap Open Enrollment Explained

Wisconsin Plan G vs Medicare Advantage

Some beneficiaries comparing Wisconsin Plan G alternatives are also evaluating Medicare Advantage plans.

The key differences remain the same as in other states:

• Medigap allows nationwide provider access.
• Medicare Advantage typically uses networks and prior authorization.

See our full comparison here:
Medigap vs Medicare Advantage

Bottom Line: Wisconsin Plan G Does Exist — Just Under a Different Name

If you are searching for “Wisconsin Plan G,” what you are really looking for is:

Wisconsin Basic Plan + appropriate riders that replicate Plan G benefits.

While the naming system is different, the protection level can be nearly identical.

The key is understanding the rider structure and comparing carriers carefully.

Frequently Asked Questions About Wisconsin Plan G

Does Wisconsin offer Plan G?

No. Wisconsin does not use the A–N Medigap letter system. Instead, it offers a Basic Plan with optional riders that can replicate Plan G coverage.

What is the Wisconsin equivalent of Plan G?

The equivalent is typically the Basic Plan plus the Part A deductible rider and the Part B excess charge rider.

Does Wisconsin Plan G cover the Part B deductible?

No. Traditional Plan G does not cover the Part B deductible, and a Wisconsin Plan G-equivalent would not include the Part B deductible rider.

Are Wisconsin Medigap plans standardized?

Yes, but they are standardized under Wisconsin’s state-approved structure rather than the national A–N letter system.

Is Wisconsin Medigap better than other states?

It’s not better or worse — just structured differently. Coverage levels can be nearly identical depending on rider selection.

Get Wisconsin Medigap Quotes

If you’re ready to compare Wisconsin Plan G-equivalent options, the best step is to review real carrier pricing in your area.

Start here to compare Wisconsin Medigap quotes:
Get Wisconsin Medigap Quotes

We’ll help you evaluate rider combinations, pricing structures, and underwriting considerations so you can choose coverage with confidence.

The post Wisconsin Plan G: Why Doesn’t It Exist? appeared first on 65Medicare.org.

The good news is this: a Medigap premium increase does not automatically mean you made a bad decision, and it does not always mean you need to switch plans or companies.

What it does mean is that it’s time take some time to understand why the increase happened and decide what—if anything—you should do next.

This guide walks you step by step through how to read your premium increase letter, what the most common causes are, and how to make a smart decision that protects both your coverage and your budget.

First Things First: Don’t Panic—and Don’t Cancel Yet

The most important rule when you receive a Medigap rate increase letter is simple:

Do not cancel your current Medigap policy until you fully understand your options.

Canceling first can leave you exposed to medical bills, create gaps in coverage, or make it harder to enroll in a new plan if underwriting applies. In many cases, the increase is manageable—or at least understandable—once you see the full picture.

Instead, treat the letter as an information trigger, not an emergency.

What a Medigap Premium Increase Actually Means

A common misconception is that Medigap premiums go up because you personally used the insurance. That is not how Medigap works.

Medigap rate increases are based on:

• The overall claims experience of everyone in your plan
• Medical inflation
• Changes in utilization patterns
• How the plan is priced and structured in your state

Your individual health or claims history does not ever cause your premium to increase.

Step 1: Identify the Type of Increase You’re Seeing

Before you decide what to do, you need to determine what kind of increase you’re dealing with. Most Medigap premium changes fall into one—or a combination—of the following categories.

General Rate Increase (Rate Action)

This is the most common type of Medigap increase.

A general rate increase applies to a group of policyholders and reflects rising healthcare costs, higher claims, changes to Medicare itself (the plans expand to fill the “gaps”), or long-term pricing adjustments. These increases are approved at the state level and typically affect everyone in the same policy form or block.

Key characteristics:

• Usually shown as a percentage increase
• Applies regardless of your age or health
• Often happens annually, but not always

A single moderate rate increase does not necessarily indicate a problem. Patterns matter more than one year’s change.

Age-Related Increase (Attained-Age Pricing)

Some Medigap plans are priced using attained-age rating. With this structure, premiums increase as you get older, in addition to any general rate increases.

If your plan uses attained-age pricing, your letter may not clearly say “this is an age-related increase,” but clues often include:

• The increase happens around your birthday or policy anniversary
• The increase amount is fairly predictable year over year

This type of increase is structural, not discretionary. It doesn’t mean the company raised rates aggressively—it means the plan was designed that way from the start.

Medigap Pricing Methods – What are the Differences?

Discount Changes or Discount Expiration

Many Medigap plans include discounts that lower your premium, such as:

• Household discounts
• Electronic funds transfer (EFT) discounts
• “New to Medicare” or introductory discounts

Some discounts are permanent, but others phase out over time or can change if eligibility conditions change (for example, if a spouse is no longer on a policy).

Household discounts can be as much as 20% or more. So, when a discount ends, the premium can jump noticeably—even if the base rate didn’t change much at all.

Important: A discount ending can feel like a rate increase, even though it’s technically a pricing adjustment.

Tobacco or Rating Class Changes

Less common, but still possible, are changes related to:

• Tobacco rating
• Underwriting class changes (in rare situations)

If this applies, your letter usually mentions a class or rating change explicitly.

Step 2: Read Your Increase Letter Like a Pro

Most Medigap premium increase letters are written in formal insurance language and can be hard to interpret. Here’s how to break it down.

Pull out and write down:

• Your current premium
• Your new premium
• The effective date of the change
• Any mention of discounts, rate adjustments, or policy class

Then calculate:

• The dollar increase
• The percentage increase
• Whether the timing lines up with a birthday, policy anniversary, or calendar year

These clues help you determine whether the increase is primarily age-related, discount-related, or a broader rate action.

Step 3: Ask the Most Important Question—Can You Switch?

Once you understand the increase, the next question is not “Can I save money?” but:

“Can I realistically change Medigap plans or companies?”

In many states, switching Medigap plans outside your initial Medigap Open Enrollment Period requires medical underwriting. That means:

• You may be asked health questions
• Certain conditions or medications could result in a decline or higher premium
• Approval is not guaranteed

If you are still within your Medigap Open Enrollment Period or have guaranteed issue rights, switching may be straightforward.

Medigap Underwriting – Can I Get Approved?

If underwriting applies, your current plan—even with an increase—may still be your best option.

Step 4: When Switching Medigap Companies Might Make Sense

Switching Medigap carriers can be a good move when:

• The increase is large and recurring
• Your premium is no longer competitive for your age and area
• You are healthy enough to pass underwriting
• You are early enough in retirement that long-term savings matter

However, switching solely because of one increase can be a mistake if the new plan is priced aggressively and may increase faster later.

This is where rate history and pricing strategy matter more than brand recognition.

Medicare Supplement Insurance Companies: Top 10 to Consider

Step 5: An Alternative Strategy—Changing Plan Letters

In some situations, lowering your premium doesn’t require changing companies at all. Instead, it may involve changing plan letters, such as moving from Plan G to Plan N.

This approach may reduce your premium but comes with trade-offs, including:

• Office visit copays
• Emergency room copays
• Potential exposure to excess charges

This strategy works best for beneficiaries who:

• Don’t visit the doctor frequently
• Want to reduce fixed monthly costs
• Understand and accept some cost-sharing

Underwriting often still applies when changing plan letters, but the math can sometimes make sense even with those hurdles.

Choosing Between Plan G and Plan N

Step 6: What Not to Do When You Get a Rate Increase

To avoid costly mistakes:

• Don’t cancel your Medigap before new coverage is approved
• Don’t assume a Medicare Advantage plan is the only alternative
• Don’t shop based only on the lowest advertised premium
• Don’t ignore the letter and hope it goes away

Ignoring an increase doesn’t make it smaller—it just limits your planning window.

A Realistic Example

Let’s say your Plan G premium increases from $165 to $192 per month.

At first glance, that feels significant. But after review, you discover:

• $18 of the increase is due to a household discount ending
• The remaining increase is consistent with similar plans in your area
• You have health conditions that make underwriting uncertain

In this case, staying put may be the safest and smartest decision—even though the increase isn’t pleasant.

On the other hand, if the same increase occurs repeatedly over several years, reevaluating becomes more urgent.

If you have a Medigap broker, he or she should be able to provide valuable comparative information about other Medigap options. As an independent brokerage, we proactively provide that information when there are known rate increases and provide on-demand any time of the year when requested. This can be a valuable way to stay on top of your coverage and decide if/when it makes sense to change Medigap plans.

Final Checklist: What to Do This Week If You Got the Letter

1. Note the effective date of the increase
2. Identify the type(s) of increase involved
3. Determine whether underwriting applies to you
4. Compare your net premium to similar plans
5. Decide whether staying, switching, or adjusting plans makes sense

If you take these steps methodically, you’ll almost always end up with a better outcome than reacting emotionally.

Bottom Line

A Medigap premium increase letter is not a failure—and it’s not a signal to make a rushed decision.

The right response depends on:

• Why the increase happened
• Whether you can pass underwriting
• How your current premium compares long-term
• Your comfort with future risk and cost-sharing

When you understand those factors, you regain control of the decision.

____________________
65Medicare.org is a leading, independent Medicare insurance agency for people turning 65 and going on Medicare. We have worked with 10,000+ Medicare-eligible individuals over the last 10+ years, assisting with understanding and comparing the plans. You can get a list of Medigap quotes in your area. Or, if you have any questions about this information, you can contact us online or call us at 877.506.3378.

The post Medigap Premium Increase Letter: How to Understand It and What To Do Next appeared first on 65Medicare.org.

Choosing a Medicare Supplement (Medigap) plan is less about finding the “best” insurance company and more about finding the right fit for your health needs, budget, and long-term goals. One carrier that often comes up during the shopping process is Bankers Fidelity.

But how do Bankers Fidelity Medigap plans compare to other Medigap options on the market? And are they a good choice for you specifically?

This guide breaks down what you should know before enrolling.

What Is Bankers Fidelity and How Do Their Medigap Plans Work?

Bankers Fidelity is a long-standing insurance company that offers Medicare Supplement plans in select states. Like all Medigap insurers, Bankers Fidelity must follow federal standardization rules, which means:

• A Plan G from Bankers Fidelity provides the same medical benefits as Plan G from any other carrier
• The only real differences are price, rate stability, underwriting rules, and customer experience

This makes it easier to compare Bankers Fidelity Medigap plans side-by-side with competitors.

Which Medigap Plans Does Bankers Fidelity Typically Offer?

Availability varies by state, but Bankers Fidelity commonly offers:

• Plan G – Comprehensive coverage with predictable costs
• Plan N – Lower premiums with some cost-sharing
• High-Deductible Plan G (in some areas) – Lower premiums, higher upfront risk

These plans help cover costs Original Medicare doesn’t pay, such as deductibles, coinsurance, and excess charges (depending on the plan). The Medigap coverage chart details what each standardized Medigap plan covers.

Bankers Fidelity Medigap Pricing: What to Expect

Pricing is often where Bankers Fidelity stands out.

In many markets, Bankers Fidelity Medigap premiums are:

• Lower than large national carriers, on average
• Competitive for healthy applicants who qualify for underwriting
• Attractive for those focused on premium savings

However, pricing alone shouldn’t be the only factor you consider.

Rate Increases and Long-Term Stability

One of the most important considerations with any Medigap plan is how rates change over time.

When evaluating Bankers Fidelity Medigap plans, it’s smart to ask a broker:

• How often have rates increased historically?
• Are rate adjustments consistent or more volatile?
• Is pricing based on attained-age, issue-age, or community-rated structures?

Lower starting premiums does not guarantee rate stability over time, as it depends on the company’s pricing strategy and claims experience.

Bankers Fidelity Underwriting Rules and Eligibility

If you’re enrolling outside of your Medigap Open Enrollment Period, medical underwriting may apply.

Bankers Fidelity underwriting guidelines can vary by state but are often:

• Reasonable for healthy applicants
• Less forgiving for certain chronic conditions
• More flexible than some large carriers, but stricter than others

This makes it especially important to compare multiple companies at once, rather than applying blindly. (Compare Medigap quotes for your area by email)

Customer Service and Claims Experience

Because Medigap claims are processed directly through Medicare, most beneficiaries rarely interact with their Medigap carrier after enrollment.

That said, differences still exist in:

• Billing accuracy
• Customer support responsiveness
• Ease of policy changes or questions

Bankers Fidelity generally operates as a smaller, more traditional carrier, which some beneficiaries prefer over large call-center models. Typically, when calling Bankers Fidelity, you will be speaking with a US-based representative.

Who Might Bankers Fidelity Medigap Be a Good Fit For?

Bankers Fidelity Medigap plans may be a good option if you:

• Want a lower premium
• Are comfortable reviewing coverage every few years
• Prefer a smaller or mid-sized insurance company
• Are working with an independent broker who can monitor rate trends

When Another Medigap Company Might Be a Better Choice

You may want to consider other carriers if you:

• Place importance on being with a large, national brand
• Are concerned about future underwriting flexibility
• Prefer a carrier with a longer Medigap-specific track record

Bottom Line: Are Bankers Fidelity Medigap Plans Worth Considering?

Yes — Bankers Fidelity Medigap plans can be a solid option, but they are rarely the only good option.

The key is understanding how Bankers Fidelity compares to other Medigap companies available in your zip code, both today and long-term.

The best Medigap decision is always made by comparing price, stability, and fit — not brand recognition alone.

______________________________________
65Medicare.org is a leading, independent Medicare insurance agency for people turning 65 and going on Medicare. If you have any questions about this information, you can contact us online or call us at 877.506.3378.

The post Bankers Fidelity Medigap Plans – Are They a Good Fit for You? appeared first on 65Medicare.org.

What Is a Medicare Supplement Plan?

A Medicare supplement plan (Medigap) helps pay for expenses not covered by Original Medicare, such as:

• Medicare Part A and Part B deductibles
• Coinsurance and copayments
• Certain out-of-pocket costs for hospital stays and skilled nursing care

These plans are standardized (Plan G, Plan N, Plan F, etc.) and offered by private insurance companies. The Medicare supplement for disabled under 65 works the same as it does for someone over 65 — the difference lies in availability and cost.

Availability of Medicare Supplement for Disabled Under 65

Federal law does not require insurance companies to sell Medigap plans to people under 65. Instead, it’s left up to each state to set its own rules. Currently, most states require companies to offer at least one Medigap option to those under 65 who are on Medicare due to disability, but the type of plan, enrollment timing, and premium costs can vary widely.

States That Require Medicare Supplement for Disabled Under 65

Here is a state-by-state breakdown of where people under 65 can get Medigap coverage (and any notable rules):

States Requiring at Least One Medigap Plan for Disabled Under 65:

Alabama, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, New Hampshire, New Jersey, New York, North Carolina, North Dakota, Oklahoma, Oregon, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming.

Note: The available plan may be Plan A only in some states. Others require access to multiple plan types.

States Without Required Medigap Access for Disabled Under 65

If you live in a state without such requirements, companies may still voluntarily offer coverage, but you are not guaranteed a right to buy it outside of the age-65 open enrollment.

Examples: Arizona, Nevada, Alaska.

How Premiums Differ for Disabled Under 65

One of the biggest surprises for many people is that the Medicare supplement for disabled under 65 often costs much more than it does for those over 65. Insurance companies base their rates partly on claims risk, and people on Medicare due to disability tend to have higher healthcare usage. As a result, it’s common for under-65 premiums to be double or even triple the over-65 rate in some states.

Alternative Options if Medigap Is Too Expensive

If Medigap coverage is available but unaffordable, you might consider:

• Medicare Advantage (Part C): Often lower monthly premiums, but with provider networks and different cost-sharing.
• State Medicaid programs: If you meet income and asset limits, Medicaid can coordinate with Medicare to reduce out-of-pocket costs.
• Special Needs Plans (SNPs): Tailored Medicare Advantage plans for people with certain chronic conditions or Medicaid eligibility.

Why Enrollment Timing Matters

If your state offers Medigap to people under 65, you typically have a six-month open enrollment window starting with your Medicare Part B effective date. If you miss it, you might be denied coverage or charged higher premiums later.

When you turn 65, you get a new open enrollment period, even if you already had Medicare due to disability. This is often the best time to shop again — rates are frequently significantly lower for a 65-year-old than they are for someone on Medicare disability under the age of 65. Get Medigap quotes by email.

Key Takeaways

• The Medicare supplements for someone under 65 are not available in every state, and rules vary widely.
• Premiums are often higher for those under 65 due to higher claims risk.
• Alternatives like Medicare Advantage or Medicaid may be worth exploring if costs are prohibitive.
• Turning 65 resets your Medigap open enrollment window and usually brings more affordable options.

Next Steps

If you’re under 65 and on Medicare due to disability, your best first step is to check your state’s Medigap rules and compare costs with Medicare Advantage. Any independent Medicare insurance agent can help you understand your options and find the most cost-effective coverage for your specific situation.

_____________________
65Medicare.org is a leading, independent Medicare insurance agency for people turning 65 and going on Medicare. If you have any questions about this information, you can contact us online or call us at 877.506.3378.

• Medicare’s Hidden Costs (2026): The Bill You Never Saw Coming
• Pennsylvania Medigap Plans: A Complete Guide to Medicare Supplement Coverage in PA
• Wisconsin Plan G: Why Doesn’t It Exist?
• The Issue-Age Medigap Myth: Why “Age Doesn’t Matter” Isn’t the Whole Story
• Medigap Premium Increase Letter: How to Understand It and What To Do Next

The post Medicare Supplement for Disabled Under 65: Where You Can Get Them and How Do They Work appeared first on 65Medicare.org.

But when it comes to Medicare coverage, snowbirds face a very specific question: Which Medigap plan works best when you live in more than one place?

After years of helping thousands of Medicare beneficiaries—many of them snowbirds—I can tell you that the best plan for you isn’t necessarily the most expensive or the one everyone else has. It’s the one that gives you nationwide flexibility, predictable costs, and peace of mind no matter where you are.

Let’s break this down.

Why Snowbirds Need to Think Differently About Medicare

Medicare Advantage (Part C) plans are popular in some areas because of their lower premiums and extra benefits. But for snowbirds, these plans often fall short.

Here’s why:

• Medicare Advantage Plans Are Network-Based: Most Medicare Advantage plans use provider networks (HMOs or PPOs) that are tied to a specific geographic area. Even PPOs often charge more—or cover less—when you’re out of network.
• Routine Care Can Be Complicated Away From “Home”: While emergencies are usually covered, regular doctor visits, lab work, or therapy sessions can be difficult to arrange outside your plan’s network.
• Plan Availability Changes by ZIP Code: If you change your residence for part of the year, you may not have access to the same Advantage plan in both places.

This is where Medigap (Medicare Supplement Insurance) shines for snowbirds.

How Medigap Works for Snowbirds

Medigap plans are standardized insurance policies that work alongside Original Medicare (Parts A and B). Unlike Medicare Advantage, Medigap has:

• No Provider Networks: Any provider in the United States that accepts Medicare will also accept your Medigap plan—no referrals or prior authorizations required.
• Consistent Benefits Nationwide: Whether you’re in Florida in January or Michigan in July, your Medigap benefits are identical.
• Freedom to See Specialists Anywhere: If you need a specialist while away from your primary residence, you can schedule directly, as long as they take Medicare.

This nationwide portability is exactly what snowbirds need. But which Medigap plan is best?

The Three Most Popular Medigap Plans for Snowbirds

Before choosing a plan as a snowbird, it helps to compare how the major Medigap plans differ. While there are ten standardized Medigap plans in most states (Plans A through N), three tend to stand out for snowbirds: Plan G, Plan N, and High-Deductible Plan G.

1. Medigap Plan G – The Most Comprehensive Option for New Enrollees

Plan G is currently the most comprehensive Medigap plan available to people new to Medicare. It covers:

• All Medicare Part A hospital costs, including deductibles and coinsurance
• All Medicare Part B coinsurance (the 20% that Medicare leaves you responsible for)
• Skilled nursing facility coinsurance
• Foreign travel emergency coverage (up to plan limits)
• The only thing you pay under Part B is the annual deductible ($283 in 2026)

Why It Works for Snowbirds:
Plan G essentially eliminates almost all unexpected bills beyond your premium and the small annual Part B deductible. For snowbirds who want zero surprises—especially if they split time between different doctors and healthcare systems—Plan G offers maximum predictability.

2. Medigap Plan N – Lower Premiums with Some Cost Sharing

Plan N covers almost everything that Plan G covers, with two exceptions:

• You pay a small copay for office visits (up to $20) and ER visits (up to $50, waived if admitted).
• It does not cover Medicare Part B “excess charges” (an uncommon fee some doctors charge above the Medicare-approved amount).

Why It Works for Snowbirds:
Plan N can be a good choice if you don’t mind minor copays and are willing to make sure your doctors accept Medicare’s “assignment” to avoid excess charges. In exchange, you’ll usually pay a lower monthly premium than Plan G—sometimes saving $20–$50 per month. For healthy snowbirds, these savings can add up without much additional financial risk.

3. High-Deductible Plan G – Low Premiums, Higher Risk

High-Deductible Plan G works just like regular Plan G—but you pay a $2,870 annual deductible (2025 figure) before the plan starts covering Medicare cost-sharing.

Why It Works for Snowbirds:
This is the lowest-premium Medigap option in most states, often costing under $60–$80/month. It’s ideal for snowbirds who want the portability and freedom of Medigap but are comfortable taking on a higher potential out-of-pocket risk in exchange for lower fixed costs.

How to Choose the Best Medigap Plan for Snowbirds

Here’s my process when helping snowbirds choose:

1. Decide How Much Cost Predictability You Want
   • If you want to budget your healthcare costs and avoid surprises, Plan G is hard to beat.
   • If you’re fine with small, occasional bills, Plan N may be a good value.
   • If you’re looking to minimize premiums and can absorb larger unexpected costs, High-Deductible Plan G can work.
2. Check Your Providers in Both Locations
   Even though Medigap has no networks, confirm that your main doctors in both locations accept Medicare. Almost all do—but it’s worth verifying.
3. Consider Your Travel Outside the U.S.
   If you frequently travel internationally, note that Plans G and N include limited foreign travel emergency coverage (80% of costs up to $50,000 lifetime maximum).
4. Look at Premium Differences in Your State
   Medigap rates vary widely by state, age, and insurance company. For snowbirds, it’s important to choose a company with rate stability, not just the cheapest initial premium.

Feature	Plan G	Plan N	High-Deductible Plan G
Nationwide Coverage	Anywhere Medicare is accepted	Anywhere Medicare is accepted	Anywhere Medicare is accepted
Covers All Part A Costs (Hospital)	100%	100%	After $2,870 deductible (2025)
Covers All Part B Coinsurance (20%)	100%	Except small copays ($20 doctor / $50 ER)	After $2,870 deductible
Covers Part B Excess Charges	Yes	No	Yes, after deductible
Foreign Travel Emergency Benefit	80% up to $50,000 lifetime	80% up to $50,000 lifetime	80% up to $50,000 lifetime
Annual Part B Deductible	You pay $257 (2025)	You pay $257 (2025)	Included in $2,800 deductible
Monthly Premium (Typical Range, varies by state)	$110–$150	$80–$120	$40–$80
Best For	Snowbirds who want maximum cost certainty	Snowbirds who want lower premiums and don’t mind small copays	Budget-conscious snowbirds willing to take higher out-of-pocket risk

Special Considerations for Snowbirds Buying Medigap

• You Only Get One Open Enrollment Window
  Your best time to buy Medigap is during the six months after your Part B effective date, when you can get any plan with no health questions. After that, in most states, you’ll need to pass medical underwriting to change plans.
• Your “Permanent” Address Matters for Premiums
  Medigap premiums are based on your official address of record. If one of your homes is in a state with lower rates, that can work to your advantage—but you must actually meet residency requirements.
• Foreign Travel Emergency Coverage Is Limited
  If you’re a snowbird who spends part of the year outside the U.S. entirely (for example, Canada or Mexico), you’ll want to understand the limits of Medigap’s foreign travel benefit and possibly add separate travel medical insurance.

Why Medigap Beats Medicare Advantage for Most Snowbirds

While Medicare Advantage can work well for people who stay in one location most of the year, snowbirds often run into challenges:

• Out-of-Network Charges: Even PPOs can have higher costs or limited coverage for non-emergency care outside your service area.
• Changing Plans When Moving: Spending more than half the year at a second home may require a plan change mid-year, which can disrupt care.
• Limited Specialist Access: You may need referrals or face delays to see specialists in your “away” location.

With Medigap, none of these issues exist—you have true nationwide coverage.

My Recommendation for Most Snowbirds

If you want the best blend of nationwide freedom and cost certainty, Medigap Plan G is the top choice for most snowbirds. It eliminates virtually all out-of-pocket expenses for covered Medicare services, works anywhere in the U.S., and requires no referrals or network checks.

For budget-conscious snowbirds who are healthy and willing to manage small copays, Plan N offers great value. And for those who prioritize low premiums over predictability, High-Deductible Plan G can work well.

The Bottom Line
Snowbirds have a unique lifestyle—and that means they need a Medicare plan that keeps up with them. Medigap provides the nationwide portability and consistent benefits that Medicare Advantage simply can’t match for people splitting time between states.

When choosing your plan, remember:

• It’s not just about the lowest premium—it’s about rate stability and nationwide usability.
• Your health can change, so lock in the plan you want during your open enrollment window.
• Choose based on your risk tolerance and how much you value cost predictability.

With the right Medigap plan in place, you can enjoy the snowbird lifestyle knowing your healthcare coverage is as mobile as you are.

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65Medicare.org is a leading, independent Medicare insurance agency for people turning 65 and going on Medicare. If you have any questions about this information, you can contact us online or call us at 877.506.3378.

• Medicare’s Hidden Costs (2026): The Bill You Never Saw Coming
• Pennsylvania Medigap Plans: A Complete Guide to Medicare Supplement Coverage in PA
• Wisconsin Plan G: Why Doesn’t It Exist?
• The Issue-Age Medigap Myth: Why “Age Doesn’t Matter” Isn’t the Whole Story
• Medigap Premium Increase Letter: How to Understand It and What To Do Next

The post Best Medigap Plan for Snowbirds appeared first on 65Medicare.org.

“I’m healthy now. Do I really need Medigap?”

It’s a fair question. After all, paying monthly premiums for coverage you might rarely use can feel like an unnecessary expense—especially if you’ve been fortunate enough to stay healthy for years. But the decision to get Medigap is more about long-term protection, cost predictability, and peace of mind than about how often you see a doctor today.

In this article, I’ll walk you through what Medigap is, why your current health status may not be the most important factor, and the financial and practical considerations you should weigh before making your decision.

Understanding What Medigap Does

Medicare Parts A and B (often called “Original Medicare”) cover a large portion of your hospital and medical expenses—but not all of them. You are responsible for deductibles, copayments, and coinsurance, and there’s no out-of-pocket maximum under Original Medicare.

Here’s what that means:

• Part A (Hospital) Costs: In 2025, the Part A deductible is $1,632 per benefit period. If you’re hospitalized multiple times in a year, you could pay that deductible more than once. Extended hospital stays also come with daily coinsurance charges after a certain point.
• Part B (Medical) Costs: You pay the first $257 each year (the Part B deductible for 2025), and then 20% of all Medicare-approved charges for doctor visits, outpatient surgery, lab tests, durable medical equipment, and more—without a cap.

A single serious illness or accident could leave you with tens of thousands of dollars (or more) in out-of-pocket costs. Medigap fills in most or all of these gaps, depending on which plan you choose.

The Trap of Thinking “I’m Healthy, I Don’t Need It”

It’s natural to think that good health today means low medical costs tomorrow. But Medicare planning is not about today—it’s about protecting yourself against the unpredictable.

Here are three important realities:

1. Health Can Change Overnight
   Even if you’ve been healthy for decades, a fall, accident, or sudden diagnosis can occur without warning. Heart attacks, strokes, and cancers are often diagnosed in people who felt perfectly fine the week before.
2. Medical Inflation Is Real
   Healthcare costs tend to rise faster than general inflation. A surgery that costs $20,000 today could be $25,000 or more in just a few years. Without a Medigap plan, your 20% share under Part B can grow quickly.
3. Getting Medigap Later Can Be Difficult
   In most states, you have a six-month Medigap open enrollment period when you first start Medicare Part B. During this time, you can buy any plan with no health questions or underwriting. Once that period ends, you can be denied coverage or charged more based on your health. If you wait until you get sick to buy Medigap, you may no longer qualify—or you might face much higher premiums.

How Medigap Protects Healthy People

One of the most misunderstood aspects of Medigap is that it’s not just “insurance for sick people.” Even healthy people can benefit from it, and here’s why:

• Predictable Costs: Instead of wondering whether you’ll get hit with a $4,000 outpatient bill or $10,000 inpatient bill, you’ll know your costs up front: your Medigap premium plus, in many cases, very little else.
• Access to Care: Medigap plans work anywhere in the U.S. that accepts Medicare. You don’t have to worry about provider networks, referrals, or surprise bills. This is especially valuable if you travel or split your time between states.
• No Surprise Bills for Major Services: If you suddenly need knee replacement surgery, cancer treatment, or a hospital stay, Medigap can cover nearly all the costs Medicare doesn’t pay.

Comparing the Cost of Medigap vs. Paying as You Go

Let’s walk through a real-world comparison.

• Scenario 1: No Medigap
  • You have a knee replacement costing $40,000 in Medicare-approved charges.
  • Part B covers 80%, leaving you with 20% ($8,000).
  • You also owe the Part B deductible and any related physical therapy costs at 20%.
  • Total: easily $9,000–$10,000 out of pocket for that one year.
• Scenario 2: With a Popular Medigap Plan G
  • You pay your monthly premium (let’s say $120–$150 per month, depending on your age and state).
  • You pay the $257 Part B deductible.
  • Everything else is covered at 100%.
  • Total: around $1,700–$2,100 for the year, including premiums.

When you’re healthy, Scenario 2 can feel like “overpaying” for coverage you don’t use. But the moment a significant medical event happens, the difference is clear—and the savings can be substantial.

The Risk of Waiting Until Later

Some people take the gamble: they skip Medigap when they’re healthy, figuring they’ll add it later if their health changes. The problem is, you only get one “open enrollment” window—when you first join Medicare Part B. After that, you must pass medical underwriting to get a plan.

Underwriting can ask about:

• Chronic illnesses
• Recent hospitalizations
• Upcoming surgeries
• Height/weight ratios
• Prescription drug use

Even relatively common issues like diabetes, heart conditions, or recent joint replacements can trigger a denial. By the time you decide you “need” Medigap, you may no longer be able to get it.

Factors to Consider When Deciding

If you’re healthy now and trying to decide whether to get Medigap, here are the main things to think about:

1. Your Financial Cushion
   Do you have the savings to comfortably handle a $10,000–$20,000 medical bill without affecting your retirement security? If not, Medigap provides a safety net.
2. Your Risk Tolerance
   Some people prefer to self-insure, accepting the possibility of large bills in exchange for lower ongoing costs. Others value the peace of mind of knowing their exposure is minimal.
3. Your Ability to Get Coverage Later
   Remember: your best chance to get any Medigap plan at the lowest price is when you first enroll in Medicare Part B. Waiting may mean losing that option.
4. Your Travel and Lifestyle
   If you travel frequently or live in more than one state, Medigap offers unmatched nationwide access to providers who accept Medicare.

Alternatives to Medigap

If you decide not to get a Medigap plan, you’ll still need to manage your out-of-pocket risk. The most common alternative is Medicare Advantage (Part C).

• Pros: Lower (or zero) monthly premiums than Medigap, includes extra benefits like dental/vision/hearing, annual out-of-pocket maximums.
• Cons: Limited provider networks, need for referrals in some cases, potential for higher costs if you need frequent care or see out-of-network providers.

Medicare Advantage can work well for people who are healthy and comfortable with a managed-care structure, but it’s not the same as having the open access and cost predictability of Medigap.

The Bottom Line

If you are healthy, it can be tempting to skip Medigap and save on monthly premiums. But Medicare is not just about covering your current needs—it’s about protecting your future self from unpredictable and potentially catastrophic costs.

The decision ultimately comes down to risk management:

• If you can absorb large medical bills and are comfortable with the uncertainty, you might choose to wait.
• If you value cost predictability, broad access to providers, and the assurance that a sudden illness won’t derail your retirement finances, Medigap is worth serious consideration—even if you never step foot in a doctor’s office today.

My advice, after years of helping thousands of people navigate this decision, is simple: Don’t base your Medicare coverage on the health you have today. Base it on the fact that you don’t know what tomorrow will bring.

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65Medicare.org is a leading, independent Medicare insurance agency for people turning 65 and going on Medicare. If you have any questions about this information, you can contact us online or call us at 877.506.3378.

• Medicare’s Hidden Costs (2026): The Bill You Never Saw Coming
• Pennsylvania Medigap Plans: A Complete Guide to Medicare Supplement Coverage in PA
• Wisconsin Plan G: Why Doesn’t It Exist?
• The Issue-Age Medigap Myth: Why “Age Doesn’t Matter” Isn’t the Whole Story
• Medigap Premium Increase Letter: How to Understand It and What To Do Next

The post Should I Get Medigap If I Am Healthy? appeared first on 65Medicare.org.

How Does High Deductible Plan G Work?

High Deductible Plan G works very similarly to other Medigap plans. Like other Medigap options, the plan works with regular Medicare Part A and B and fills in the gaps in Medicare. There are no networks on HDG or any other Medigap plans – you can use the plan at any doctor or hospital that accepts Medicare.

High deductible Plan G has a deductible of $2950 (for 2026 – this deductible changes each year).  What this means is that, when you use medical services, Medicare will pay their 80%, and you will be responsible for the other 20% until you meet the $2950 deductible. In other words, you will pay 20% of Medicare-approved charges up to $2950 per calendar year.

After you have paid out $2950 in a calendar year, your HDG plan will act exactly like a “regular” Plan G. The plan will pay what Medicare does not pay (the 20%). HDG, like standard Plan G, does not cover the Medicare Part B deductible ($283/year in 2026); however, that deductible goes towards the larger HDG deductible so you would have already met it by the time you reach the $2950 HDG deductible.

The deductible for HDG resets each calendar year, so you would have to start over with meeting the deductible each year. High deductible Plan G, just like any other Medigap plan, can never be cancelled for reasons other than non-payment of premium. The plan is ‘guaranteed renewable’ and does not have to be renewed annually, nor does it have any sort of annual renewal period.

What are the Advantages of High Deductible Plan G?

The appealing thing about the HDG is the premium. It is considerably lower in premium than the traditional Medigap plans – usually about half of Plan N rates and up to $100/mo lower than Plan G rates (rates vary considerably depending on the state and your age). That is the most significant advantage of HDG – it can save you a good bit of money off of the premiums on other Medigap options.

Additionally, it is easy to use, just as any Medigap plan. You don’t have to file claims or worry about whether claims will be processed/paid. The Medicare “crossover” ensures that everything will work seamlessly, once you have met the deductible.

Medigap rates vary considerably from one area to the next (Why Do Medigap Premiums Vary?), and the premiums are determined by other factors like gender and age. But to give you a general idea, we’ve included current (as of March 2026) High Deductible Plan G rates for the lowest premium company in a few different areas (rates are for a 65-year-old female):

• Bradenton, FL = $67.77/mo
• San Antonio, TX = $31.82/mo
• Charlotte, NC = $30.60/mo
• San Francisco, CA = $38.12/mo
• Denver, CO =$46.61/mo
• Lansing, MI = $34.15/mo
• Richmond, VA = $35.82/mo
• Harrisburg, PA = $34.47/mo
• Topeka, KS = $29.39/mo

*Note: Rates are subject to change at any time. They do not go by the calendar year and can change from month to month. There’s no “enrollment period” for Medigap plans other than the one when you first start on Medicare. For current Medigap rates specific to your area and situation, get Medigap rates by email or call us at 877.506.3378.

What Are the Downsides of High Deductible Plan G?

While High Deductible Plan G is very appealing in terms of monthly premium, there are some factors to be aware of if you are considering this plan. First and foremost, the plan does not pay anything until you have met the initial HDG deductible. You are responsible for any and all out of pocket costs that aren’t covered by Medicare (the 20%).

Second, and maybe most importantly, you do always have to ‘qualify medically’ to switch from one Medigap plan to another after your initial open enrollment period, which is when you first turn 65 or start on Medicare (NOTE: There are a few states that have unique annual open enrollment periods). So, while HDG may be a good fit for someone who has few health problems or doctor visits when they turn 65, it is important to think about your initial Medigap selection on a long-term basis since there is no guarantee that you can change plans in the future. Weekly, we talk to someone who is trying to ‘upgrade’ their Medicare coverage from an HDF or Plan N or Advantage plan but is unable to do so due to some health condition or ongoing medical treatment.

Lastly, you should be aware that the deductible on the high deductible Plan G changes every year. In the last six years, it has gone from $2200 to $2950, a 34% increase in that time period. It is not likely that this trend of the increasing deductible will lessen over time.

This is not to say that High Deductible Plan G is not a good option in some situations – it is. However, it is crucial to think through and be aware of the future implications of selecting HDG and be okay with it on a long-term basis.

How Do I Enroll in a HDG?

If you do decide that a High Deductible Plan G is the right plan for you, you should definitely compare rates from different insurers rather than jumping at the first offer on this plan. There are fewer companies that offer this plan than some of other plans. Some states only have 3-4 companies that do this plan, as it historically has not been a plan with a large market share (between 3-4% historically by most reports). That said, you should compare multiple options since rates can vary considerably on Medigap plans. If you want a list of plans and rates by email, you can contact us through our website or by phone.

Once you pick a HDG, you can enroll online or by phone through us or through another broker like us (Why Use a Broker).

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65Medicare.org is a leading, independent Medicare insurance agency for people turning 65 and going on Medicare. If you have any questions about this information, you can contact us online or call us at 877.506.3378.

The post High Deductible Plan G – Considerations and Cautions appeared first on 65Medicare.org.

Medico Medicare Supplement plans (Medigap) are a popular option for Medicare Supplement coverage, albeit not a household name to most people. If you are researching Medigap plans in a truly unbiased way and not just signing up for United Healthcare or BCBS because they sent you the most junk mail, you will find that there are some less familiar names that pop up as solid options. But… should you consider Medico Medicare Supplements even though you may not have previously heard of them? Are Medico plans worth your consideration? Let’s take a look.

Medico Medicare Supplement Coverage – What Do They Cover?

First and foremost, Medico Medicare Supplement plans cover the exact same “gaps” in Medicare as the other Federally-standardized Medigap (Medicare Supplement) plans. They go by the regular Medigap coverage chart. What this means for the Medico policyholder is that there is no difference in coverage with Medico plans vs. other plans from other companies. To put it simply, a Medico Plan G would be the exact same as a Plan G from any other company.

Typically, in most states, Medico offers both the Plan G and the Plan N (Choosing between Plan G and Plan N). Plan G is the most common and comprehensive Medigap plan, paying everything that Medicare A & B do not cover except for the Medicare Part B deductible (currently $257/year). Plan N is also a popular option, however, because it gives a lower premium in exchange for some minimal co-pays and out-of-pocket costs.

Additionally, Medico Medicare Supplement plans are still available as Plan F. In fact, in many states, Medico Plan F is one of the lowest premium Plan F options available. With the phase out of Plan F in 2020, some Medigap companies stopped offering the Plan F altogether. However, there are some companies, including Medico, that still offer the Plan F. Medico Plan F is frequently a competitive player in the remaining Plan F marketplace.

In some states, Medico Medicare Supplements do also offer the high deductible Plan G as an option. This plan is different than the regular/standard Plan G. It is a high deductible alternative with a $2870 that must be met before the plan pays anything.

Who Is the Medico Medicare Supplement Company?

Medico, headquartered today in Des Moines, IA, has been offering various types of insurance since 1929. They started small, withstood the Great Depression and expanded out from there. Today, they are known for affordable and reliable coverage and offer Medicare Supplement (Medigap) plans, final expense insurance, short-term recovery insurance, dental, vision and hearing insurance, and some other types of ancillary insurance products. Their plans are offered in 49 states and the District of Columbia.

In June of 2023, Medico and other Medico subsidiary companies became unified under one brand name, Wellabe. That re-branding was intended to unify the company under one brand name. However, in most locations, their Medicare Supplement plans are still sold using the name Medico.

What Makes Medico Medicare Supplements Stand Out?

Medico Medigap plans are the same as the Federally-standardized plans offered through other insurers. However, there are few aspects of the Medico plans that are unique:

• Very competitive pricing in most markets – Medico plans are frequently one of the lowest priced offerings in many areas of the country where they are available. If they are not the lowest priced option, they are generally within the lowest 3-4 companies in most markets.
• Household discount just for being married or having a household resident – In most states, Medico Medigap plans offer a 12% discount just for being married or having a household resident. In other words, it is not required that two people in the same household have a plan with them in order to qualify for this discount (state-specific laws may vary so it is always advisable to check with your broker for your exact rate). Should You Use a Medigap Broker?
• No waiting period for pre-existing conditions – There are no waiting periods for pre-existing conditions under Medico plans. This applies whether you are applying during your initial open enrollment period or if you already have a Medigap plan and are just looking to reduce your costs. You do have to go through medical underwriting to change from one Medigap plan to another (Medigap Underwriting), but if you are approved, there is no waiting period for coverage to begin.
• Great financial strength ratings – As outlined above, Medico has very solid AM Best ratings (A). This gives assurance that their plans are backed by a solid company with a solid financial backing. They have historically been a solid and well capitalized company.

Medico Medigap Reviews

Reviews of Medigap plans online cannot always be trusted – full stop. The one unique characteristic of Medigap plans, across all companies, is that they pay claims through the Medicare “crossover” system. This ensures that claims are paid in the same amount and on the same time schedule with all companies. So, any reviews about that aspect of a Medigap plan can be deemed negligible.

It is, however, worthwhile to consider Medigap reviews on the stability of a company over time (i.e. rate increases) and ease of contacting them for customer service. On those aspects, Medico Medicare Supplements do stand out as a leader among Medigap options. 65Medicare.org clients that have selected Medico as their Medigap company have been very pleased with service and stability of the company (Sign up for an Medico plan by sending us a message or by calling us at 877.506.3378).

Should You Consider Medico Medigap Plans?

If you are in the market for Medigap, whether new to Medicare or just looking to get a better rate, Medico Medigap plans are certainly a viable option to consider. Read More: What is the best Medigap plan? It is always prudent to check the rates for all plans in your area before selecting a Medigap plan. You can get a list of the Medigap plans, with prices and company ratings, delivered by email here: Medigap quotes by email.

If you landed on this page because you were already considering Medico Medigap as an option, allow us to help you get everything set up. As an independent broker, our service is free and we act as an ongoing advocate for you if you have any problems, questions or want to evaluate plans in the future.

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65Medicare.org is a leading, independent Medicare insurance agency for people turning 65 and going on Medicare. If you have any questions about this information, you can contact us online or call us at 877.506.3378.

The post Medico Medicare Supplement (Medigap) appeared first on 65Medicare.org.

This guide will break down the steps and considerations for moving with Medicare, with specific sections on:

• Moving with Original Medicare and Medigap
• Moving with Medicare Advantage (Part C)
• Moving with Medicare Part D (Prescription Drug Plans)

Let’s look at each scenario in detail.

Moving with Original Medicare and Medigap

Original Medicare includes Part A (hospital insurance) and Part B (medical insurance). It’s federally administered, which means it works the same way anywhere in the United States. However, if you also have a Medigap (Medicare Supplement) policy, moving may require a few additional steps.

How Moving Affects Original Medicare

Original Medicare travels with you. Since it’s a national program run by the federal government, you can see any doctor or healthcare provider in the U.S. who accepts Medicare, without worrying about network restrictions or needing a referral. (Read More: Medicare and Medigap – How Do They Work Together? | 65Medicare.org)

Key Points:

• No need to change your Part A or Part B enrollment if you move within the U.S.
• You should update your address with Social Security or the Railroad Retirement Board, depending on where you get your benefits. Updating your address with Social Security takes care of notifying Medicare of your new address.
• Make sure to find new healthcare providers in your new area that accept Medicare if you’re moving a significant distance.

How Moving Affects Medigap Policies

Medigap plans are sold by private insurance companies to help cover costs like copayments, coinsurance, and deductibles that Original Medicare doesn’t pay. The plans are Federally-standardized in most states, so it is easy to compare “apples to apples”. In other words, a Plan G, for example, is the exact same coverage regardless of the insurer.

When you move:

• If you stay within the same state, you should be able to keep your current Medigap policy.
• If you move to another state, especially one with different Medigap rules or pricing (community-rated vs. issue-age-rated vs. attained-age-rated plans), your plan options may change, and it is wise to check your options to ensure your current plan is still the right plan for you in your residence.

Possible Scenarios:

1. You can keep your Medigap policy:
   Some companies allow you to keep your current plan even if you move, although premiums might change to reflect the current premiums of your new location.
2. You may want to switch plans:
   If better or more affordable options are available in your new location, you might be able to switch, though depending on your situation, you could be subject to medical underwriting (health questions). An independent broker can help you evaluate whether a move to a new state would call for a corresponding move to a new insurer. Get Medigap rates for your new state delivered by email.
3. Special Rights:
   If you’re moving out of the service area of a Medicare SELECT policy (a type of Medigap policy that requires using specific hospitals and doctors), you have a guaranteed right to buy a standard Medigap policy without medical underwriting.

Action Steps:

• Notify your Medigap insurer of your move. You can do this by calling the number on your Medigap insurance card or contacting your Medigap broker.
• Review plan options and premiums in your new area. This can be done online through an independent broker or, in some states, through the state department of insurance.
• Consider enrolling in a different Medigap plan if it offers better coverage or lower premiums. (Medigap Premium Increases – Does Your Premium Change When You Move?)

Moving with Medicare Advantage

Medicare Advantage (Part C) plans are offered by private insurance companies and must cover at least what Original Medicare covers, but often include extra benefits like dental, vision, or hearing. These plans are regional, network-based, and they have specific service areas.

How Moving Affects Medicare Advantage Plans

Because Medicare Advantage plans depend on local networks of doctors, hospitals, and pharmacies, moving outside your current plan’s service area usually requires changing your plan.

Key Points:

• If you move outside your plan’s service area, you must switch plans.
• If you move within your plan’s service area but to a different county or ZIP code, you might still be allowed (or even encouraged) to change plans because different options may be available.
• You will get a Special Enrollment Period (SEP) to choose a new plan, as a result of a move outside of your plan’s service area.

Special Enrollment Period (SEP) Details

• You can switch to a new Medicare Advantage plan or return to Original Medicare (and enroll in a Part D plan separately).
• The SEP starts the month before your move and continues for two full months after you move.
• If you notify your current plan after you move, your SEP begins the month you notify them and lasts two additional months.
• If you have previously been “stuck” in Medicare Advantage due to medical conditions, a move outside of your Advantage plan’s service area represents an opportunity to move back to original Medicare and add a Medigap plan on a guaranteed issue basis.

Action Steps:

• Notify your current Medicare Advantage plan about your upcoming move.
• Research plans in your new area ahead of time.
• Choose a new Medicare Advantage plan or switch to Original Medicare with optional Part D and Medigap coverage.
• Be sure to avoid gaps in coverage by making timely decisions.

Moving with Medicare Part D (Prescription Drug Plans)

Medicare Part D offers prescription drug coverage through private plans that operate within specific regions. Like Medicare Advantage, Part D plans have networks, so moving could require a change depending on your destination.

How Moving Affects Medicare Part D Plans

Each Part D plan has a designated service area, and moving outside that area means you need to enroll in a new plan.

Key Points:

• You must be enrolled in a Part D plan that operates in your new location.
• Moving gives you a Special Enrollment Period (SEP) to join a new Part D plan.

Special Enrollment Period (SEP) Details

• SEP begins the month before you move and lasts two full months after you move.
• If you notify your plan after you move, the SEP begins the month you notify your plan and lasts for two months.
• If you don’t choose a new plan during the SEP, you could face a gap in coverage and a potential late enrollment penalty if you go without prescription drug coverage for 63 days or more.

Action Steps:

• Notify your current Part D plan provider. If your new location is outside the plan’s service area, you will be disenrolled as of the 1^st day of the next month.
• Compare available Part D plans in your new area using the Medicare Plan Finder tool or by working with a licensed broker.
• Check that your medications are covered under your new plan’s formulary.
• Enroll promptly to maintain continuous coverage.

Important Things to Remember When Moving with Medicare

• Update Your Address: Contact Social Security (1-800-772-1213) or update your information online at ssa.gov.
• Keep Documentation: Save any notices and correspondence from your Medicare plan and Social Security Administration.
• Evaluate Your Options Carefully: Moving gives you a unique opportunity to reassess your healthcare needs and possibly find a plan that better fits your situation or reduces your monthly premiums.
• Timing Matters: Acting quickly ensures you don’t experience a lapse in healthcare or prescription drug coverage.

Moving with Medicare: The Bottom Line

Moving, in general, can be stressful, but staying informed about how Medicare is affected helps simplify the transition.

• If you have Original Medicare, it’s mostly just updating your address — but if you have a Medigap policy, you’ll want to review it closely and possibly make a change to a plan that offers a lower premium in your new location.
• If you have Medicare Advantage or Part D, you’ll need to use your Special Enrollment Period to pick a new plan.
• Always act within your Special Enrollment timelines to prevent interruptions in your health or prescription coverage.

By staying proactive and organized, you can ensure that your move is smooth not only for your personal life but for your healthcare coverage as well.

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65Medicare.org is a leading, independent Medicare insurance 

agency for people turning 65 and going on Medicare. We have worked with 10,000+ Medicare-eligible individuals over the last 10+ years, assisting with understanding and comparing the plans. You can get a list of Medigap quotes in your area. Or, if you have any questions about this information, you can contact us online or call us at 877.506.3378.

The post Medicare and Moving to Another State – What You Need to Do appeared first on 65Medicare.org.

Medigap Plan G rates can vary widely, depending on several variables including what part of the country you are in, your age, and your gender (Get Plan G pricing in your area by email).

The short answer for “how much does Plan G cost” is “it depends on where you live, how old you are and what gender you are”. In most areas of the country, Plan G rates start at around $100-125/month (65 year old female rates). However, some states that are lower than that and some that are much, much higher. To give you an idea, here are a few examples of current (February 2026) Plan G (or Medicare G) prices in different parts of the country.

Important note: The Plan G rates below are for example purposes only. Rates can change monthly and are dependent on a handful of factors. What we do is provide all Plan G rates and ratings and help Medicare beneficiaries compare and sign up for the best Plan G deal in their area. Don’t trust other websites that require you to provide your phone number just to obtain the rates. For a list of up to the minute current Plan G rates in your area delivered by email, click here: Medigap Plan G Rates by Email.

The Plan G rates shown below are for a 65-year old, non-smoking, female, with no household discount applied, and they are the lowest current rates in that respective area (every insurance company charges different prices):

EXAMPLE 1 (ALL OF NC): Medigap Plan G Rates start at $97/month.
EXAMPLE 2 (PANHANDLE FL): $182/month
EXAMPLE 3 (SOUTHERN CA): $173/month
EXAMPLE 4 (WESTERN PA): $131/month
EXAMPLE 5 (DALLAS TX): $117/month
EXAMPLE 6 (CENTRAL INDIANA): $112/month
EXAMPLE 7 (DENVER CO): $133/month
EXAMPLE 8 (UPSTATE SC): $104/month
EXAMPLE 9 (IOWA): $105/month

In addition, Medigap Plan G prices can vary within the same geographical area by as much as $100/month with different insurance companies, although the coverage is completely identical. With Medicare Supplement plans, the companies are allowed to determine what they charge for their plans, although the coverage is Federally-standardized. In other words, you can end up paying much, much more for the exact same coverage that works the same way. If you have been with the same Medigap Plan G since you started on Medicare, it is almost certain that you can reduce your costs for equivalent coverage that works the exact same way.

Click here to receive a list of Medigap Plan G Rates by Email

How Can I Get Medicare Supplement Plan G Prices?

Unfortunately, most insurance companies no longer openly publish their rates online without requiring you to meet with an agent or enter your personal information first. So, although some companies put their Medicare Supplement Plan G prices online, the information will be slanted towards that one company and will not be a full picture of what is available to you.

Medicare.gov has recently started listing information about Medigap G prices online; however, Medicare has no oversight of Medigap (the states do) and their information is not always up to date, does not always reflect all applicable discounts/rate actions and is generally not a 100% accurate source.

There are two options for obtaining the prices for a Medicare Supplement Plan G. One, you can contact your state department of insurance to get a list of all the companies offering supplement plans in your state – usually around 30-35 companies. From there, you can contact each insurance company’s call center and set an appointment to have an agent from each company come to your home so you can meet with them and obtain the rates for their plans. Sounds enjoyable, right?!?!

The much-simpler, more consumer-friendly alternative is to contact a trusted, verified independent Medicare insurance broker. Whether that broker is 65Medicare.org or someone else, using an independent broker gives you the opportunity to compare multiple options in a centralized, unbiased place. It costs you nothing and can help you make a prudent choice initially as well as provide ongoing service. The broker works with you based on your needs and is incentivized to put you in a plan that you are happy with and that fits your needs, not one that helps their employer’s bottom line. [Click here to use us to get Medicare Plan G prices]

What Does Plan G Cover?

If you are already looking into Medicare Supplement Plan G prices, you likely are already familiar with what Plan G covers. But if not, here’s a brief overview.

First and foremost, here is the Medigap standardized plans chart – this chart shows the plans that all insurance companies are allowed to offer. If a company is going to sell Medicare Supplement plans, it has to be one or more of the plans listed on this chart.

Plan G, in particular, covers all the “gaps” in Medicare, with the one exception of the Medicare Part B deductible. This deductible is currently (2026) $283/year. So, if you have a Plan G, the plan will pay the Medicare co-pays, coinsurance, and the Medicare Part A deductible – your only out-of-pocket costs would be the Medicare Part B deductible amount, currently $283/year.

How Do I Sign Up for a Plan G?

So, once you understand what Plan G covers and have obtained the Medicare Supplement Plan G prices, you can move to the next step of comparing the specific options in your area and enrolling in a plan. Although this is the most important step, it is also the easiest one to do.

The days of the 20+ page insurance application are long gone (unless you like that sort of thing). Most insurance companies now offer online applications that are streamlined, easy to do and painless. In particular, if you are turning 65, you in your initial open enrollment period. During this time period, you do not have to answer any medical questions or “qualify” to obtain a plan.

If you are already working with an independent broker, that broker can provide you the application or the online link to your customized application so you can enroll. If you are not working with a broker yet, you can contact the specific company you want to sign up for and they will (in most cases) direct you to a broker that can enroll you. If you want our service and assistance enrolling, find out what our clients say/why you should work with us and contact us to get started.
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65Medicare.org is a leading, independent Medicare insurance agency for people turning 65 and going on Medicare. If you have any questions about this information, you can contact us online or call us at 877.506.3378.

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