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1. Avoid hidden costs with a Medigap plan
2. Get Medigap quotes for plans that protect you against hidden costs
3. Schedule a phone appointment to find out how to get protected.

The post Medicare’s Hidden Costs (2026): The Bill You Never Saw Coming appeared first on 65Medicare.org.

If you’re researching Pennsylvania Medigap plans, you’re likely trying to understand how Medicare Supplement insurance works in PA, which plans are available, and how to choose the right one.

The good news: Pennsylvania follows the standard federal Medigap letter system (Plans A–N). That means a Plan G in Pennsylvania provides the same medical benefits as Plan G in most other states.

However, pricing methods, enrollment rights, and underwriting rules can vary — and those differences matter when choosing a plan.

Before choosing a plan in Pennsylvania, it is crucial to understand how the different Medigap plans work nationally. This guide explains everything you need to know about Pennsylvania Medigap plans, including available plan types, pricing structures, enrollment rules, and how to compare coverage options.

How Pennsylvania Medigap Plans Are Structured

Pennsylvania uses the federally standardized Medigap letter system. Available plans typically include:

• Plan A
• Plan B
• Plan D
• Plan G
• High-Deductible Plan G
• Plan K
• Plan L
• Plan M
• Plan N

Plans C and F are only available to individuals who became eligible for Medicare before January 1, 2020.

Each plan is standardized by the federal government, meaning coverage benefits are identical regardless of which insurance company you choose.

You can review federal Medigap standardization details here:
How to Compare Medigap Policies – Medicare.gov

Most Popular Pennsylvania Medigap Plans

Plan G

Plan G is the most popular Medigap plan in Pennsylvania. It covers nearly all Medicare-approved expenses except the annual Part B deductible.

Plan G covers:

• Part A hospital deductible
• Part A coinsurance
• Part B coinsurance (after deductible)
• Part B excess charges
• Skilled nursing coinsurance
• Foreign travel emergency coverage

Learn more about how Plan G works here:
Medigap Plan G Explained

Plan N

Plan N typically has a lower monthly premium than Plan G but includes small copays for doctor and emergency room visits and does not cover excess charges.

Compare the two here:
Plan G vs Plan N

High-Deductible Plan G

This option has a lower premium but requires you to meet a large annual deductible before benefits begin. It is often chosen by individuals who want catastrophic protection at the lowest monthly cost.

Pennsylvania Medigap Plans: Quick Comparison (Plan G vs Plan N vs High-Deductible G)

Note: Medigap benefits are standardized in Pennsylvania, so a Plan G from one company has the same medical coverage as Plan G from another. The biggest differences are price, rate history, discounts, and customer service.

Pennsylvania Shopping Tip

Because Pennsylvania generally uses traditional underwriting rules outside your initial enrollment window, it’s smart to compare carriers early and focus on rate stability and pricing method (attained-age vs issue-age vs community-rated). If you want a deeper explanation of why “issue-age” can still increase over time, see: The Issue-Age Medigap Myth.

How Pennsylvania Medigap Pricing Works

Insurance companies in Pennsylvania may use one of three pricing methods:

• Attained-Age Rated – Premiums increase as you age.
• Issue-Age Rated – Premium based on age at enrollment; does not increase due to aging.
• Community-Rated – Same base premium regardless of age.

Most Pennsylvania Medigap policies are attained-age rated, meaning premiums typically start lower at age 65 but gradually increase over time.

For a deeper explanation of pricing structures, see:
Understanding Medigap Pricing Methods

Rate increases can occur due to:

• Inflation
• Healthcare cost trends
• Claims experience
• Regulatory approvals

Pennsylvania Medigap Open Enrollment Rules

Your best time to enroll in a Pennsylvania Medigap plan is during your Medigap Open Enrollment Period, which begins the month you are both 65 and enrolled in Medicare Part B.

During this six-month window:

• You cannot be denied coverage.
• You cannot be charged more due to health conditions.

Outside of this window, medical underwriting may apply.

Learn more here:
Medigap Open Enrollment Guide

Underwriting and Switching Plans in Pennsylvania

Pennsylvania does not have a year-round “birthday rule” like some states. If you want to switch Medigap plans after your Open Enrollment Period, you will generally need to pass medical underwriting unless you qualify for a guaranteed issue situation.

Guaranteed issue rights may apply if:

• You lose employer coverage
• You move out of a Medicare Advantage service area
• Your Medicare Advantage plan leaves the market

Medigap vs Medicare Advantage in Pennsylvania

Many Pennsylvania beneficiaries compare Medigap with Medicare Advantage.

Key differences:

• Medigap offers nationwide provider access.
• Medicare Advantage typically uses provider networks.
• Medigap has predictable cost-sharing.
• Medicare Advantage may require prior authorization.

Compare the two options here:
Medigap vs Medicare Advantage

How Much Do Pennsylvania Medigap Plans Cost?

Premiums vary by:

• Age
• Gender
• Tobacco use
• Zip code
• Carrier pricing structure

At age 65, Plan G premiums in Pennsylvania often range between $110 and $170 per month depending on the insurer and region. Plan N typically ranges slightly lower.

Because plans are standardized, comparing pricing across carriers is essential.

Key Takeaways on Pennsylvania Medigap Plans

Pennsylvania follows the standard A–N Medigap system, meaning Plan G, Plan N, and other lettered plans function the same as they do nationwide. The main differences come down to pricing structure, underwriting rules, and company rate stability.

Choosing the right Pennsylvania Medigap plan requires comparing current premiums, understanding pricing models, and evaluating long-term cost projections.

Frequently Asked Questions About Pennsylvania Medigap Plans

What is the most popular Medigap plan in Pennsylvania?

Plan G is currently the most popular due to its comprehensive coverage and predictable out-of-pocket costs.

Does Pennsylvania have guaranteed issue rights year-round?

No. Outside of your initial Open Enrollment Period, underwriting typically applies unless you qualify for a specific guaranteed issue event.

Do all Plan G policies in Pennsylvania offer the same coverage?

Yes. Benefits are federally standardized. The difference between companies is price and service.

Are Medigap premiums tax-deductible in Pennsylvania?

In some cases, premiums may qualify as medical expenses for federal tax deduction purposes. Consult a tax advisor for details.

Can I switch Medigap companies in Pennsylvania?

Yes, but medical underwriting may apply unless you qualify for a guaranteed issue right.

Get Pennsylvania Medigap Quotes

If you’re ready to compare Pennsylvania Medigap plans side-by-side, the next step is reviewing real carrier pricing in your area.

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

We’ll help you evaluate plan options, pricing models, and underwriting considerations so you can make a confident decision.

The post Pennsylvania Medigap Plans: A Complete Guide to Medicare Supplement Coverage in PA appeared first on 65Medicare.org.

In this article we’ll explain how issue-age pricing works, why premiums can still rise over time, how it compares with other pricing systems, and where issue-age plans are required by law. By the end, you’ll understand why the name “issue age” can sound appealing — but often starts with higher costs and doesn’t eliminate future rate increases.

What Is Issue-Age Pricing (and How Medigap Premiums Are Set)

Medigap policies in the U.S. are priced in one of three ways, depending largely on state rules and carrier decisions:

• Attained-Age Rated: Premiums are based on your current age and generally increase as you get older. (Medigap Attained-age)
• Issue-Age Rated: Premiums are based on your age when you first buy the policy. Your age at issue determines the rate category, and your premium won’t automatically increase simply because you’ve had another birthday. (Medicare Interactive)
• Community Rated: Everyone pays the same base premium in a given region regardless of age or gender. (Community Rated Medigap)

More detailed explanations of these pricing methods are available on our full Medigap pricing methods guide. (Medigap Pricing Methods)

For issue-age plans, if you buy at age 65 versus age 75, the 65-year-old rate is locked in — even when you turn 70, 80 or beyond. That’s where the myth comes from: you won’t automatically pay more because you are older. But that doesn’t mean your premium won’t increase.

Premiums Still Increase Over Time — Even With Issue-Age Plans

Here’s the key truth: no Medigap plan guarantees premiums will stay the same year after year. Even with issue-age pricing, premiums can increase for reasons other than your age:

• Inflation and healthcare cost trends — insurers raise premiums across the board to keep pace with rising medical costs. (Medicare Interactive)
• Claims or pool experience — if claims are higher than expected in a pricing pool, insurers may increase rates.
• Regulatory or administrative changes — state insurance departments may approve rate adjustments that apply to all policyholders. (How Are Medigap Premiums Set)

So while issue-age plans won’t automatically increase just because you’ve turned 70, 75, or 85, they can and do increase due to the factors above. In many cases, issue-age premiums start out significantly higher than equivalent attained-age plans because the carrier must price in future risk upfront. (Why Do Medigap Rates Vary So Much)

That means someone enrolling in an issue-age plan at age 65 may pay more initially than someone who buys an attained-age plan. Over decades, the total cost difference will depend on how much and how often rates increase for each plan type.

States That Require or Allow Issue-Age Pricing

Issue-age Medigap plans are not available in every state. In most of the country, insurers can choose which pricing model to offer. But in a few states, attained-age pricing is prohibited, so Medigap plans are priced either by issue age or by community rating.

States where insurers cannot use attained-age pricing and thus issue-age plans are common include:

• Arizona
• Florida
• Georgia
• Missouri

In Georgia, for example, Medigap insurers are prohibited from using attained-age pricing on plans issued since 2009, making issue-age the dominant pricing method for many carriers there.

It’s worth noting that a separate set of states requires community-rated premiums, where age never affects cost, but these are different from issue age states. Examples of community-rated states include New York, Connecticut, and Minnesota. (KFF)

Why Issue-Age Plans Tend to Start With Higher Premiums

Financially, issue-age plans are priced to account for the expected increase in medical costs over the lifetime of an older enrollee. Since the insurer knows they cannot adjust premium based on future age changes under this model, they charge a higher initial rate to reflect that long-term exposure.

Put more simply:

• Attained-age rates typically start lower because carriers plan to raise rates as you age. (Attained-age Medigap)
• Issue-age rates are often higher at the start because they bake in future costs up front. (Medigap Pricing Methods)

This is especially relevant if you delay enrolling in Medigap. If you wait until age 70 to buy an issue-age policy, you’re locked into that age 70 price for life — and that price will be significantly higher than if you’d enrolled at age 65.

How to Compare Pricing Models When Shopping Medigap

When you’re comparing Medigap plans, price is just one variable alongside coverage level, company stability, and service quality. But understanding the pricing methodology helps you project your long-term costs more accurately.

Here are some practical tips:

• Get quotes in multiple pricing models. If your state allows both issue-age and attained-age plans, compare quotes at your current age and see how they project over 5, 10, and 20 years.
• Check rate history with the carrier. Historical rate changes give insight into how aggressively a company has raised premiums due to inflation or claims.
• Consider future plans. If you expect to move to a different state or change Medicare coverage approach, price consistency and transfer options matter.

For more on this, see our full breakdown of why Medigap rates vary so much and what impacts premiums most. (Medigap Rate Differences)

20-Year Premium Comparison: Issue-Age vs Attained-Age vs Community-Rated

Example: 65-year-old enrolling in Plan G.
Assumes 4% annual inflation increase for all plans. Attained-age includes additional age-based increases.

Estimated 20-Year Total Premium Paid

Note: These figures are examples only. Actual premiums and rate increases vary by state, carrier, and individual factors.

The Bottom Line on Issue-Age Medigap

Issue-age Medigap plans sound attractive because they don’t increase purely due to your birthday. But that feature comes with important trade-offs:

• Initial premiums are usually higher than attained-age plans. (Medigap Pricing Methods)
• Premiums can still increase over time due to inflation, claims, and regulatory changes. (How Are Medigap Premiums Set)
• Issue age pricing is not available everywhere, and in many states insurers offer attained-age plans instead. (KFF)

For many people, the best value comes from comparing multiple pricing models — and not assuming that “issue age” means “cheaper forever.” As with all Medicare decisions, start with guaranteed enrollment during your initial Medigap Open Enrollment period and review your options carefully.

Ready to compare Medigap plans and see what pricing options are available where you live? Start with our Medigap quotes page to get personalized quotes and pricing structures from top carriers.

Key Takeaways on Issue-Age Medigap Pricing

Issue-age Medigap plans are often misunderstood. While they do not automatically increase premiums simply because you get older, they are not “locked in” or guaranteed to stay the same price. Premiums can still rise due to inflation, healthcare cost trends, and overall claims experience. In many cases, issue-age plans start with higher premiums than attained-age plans because insurers must account for long-term risk upfront. The best pricing model depends on your state, carrier options, and long-term financial goals — not just the label attached to the policy.

Frequently Asked Questions About Issue-Age Medigap Plans

Does an issue-age Medigap plan ever increase in price?

Yes. An issue-age Medigap policy does not increase simply because you get older, but premiums can still rise due to inflation, higher healthcare costs, or overall claims experience in your state. Issue-age does not mean fixed or guaranteed premiums.

Is issue-age cheaper in the long run?

Not necessarily. Issue-age plans often start with higher premiums compared to attained-age plans. Over a long period of time, total costs may be similar depending on rate increases and market conditions. The pricing model alone does not determine long-term affordability.

What is the difference between issue-age and attained-age pricing?

Issue-age pricing bases your premium on your age when you first enroll and does not increase automatically due to aging. Attained-age pricing starts lower but typically increases as you move into higher age bands over time. Both types can increase due to inflation and healthcare costs.

Are issue-age Medigap plans available in every state?

No. In some states, insurers are not allowed to use attained-age pricing. States such as Georgia, Arizona, Florida, and Missouri require insurers to use issue-age or community-rated pricing structures. Availability varies by state and carrier.

Why do issue-age plans usually cost more at age 65?

Because insurers must account for long-term medical risk upfront. Since they cannot increase premiums solely due to age later, the initial premium is typically higher to offset that future exposure.

Is community-rated pricing better than issue-age?

Community-rated plans charge the same base premium to everyone in a geographic area regardless of age. However, these plans can still increase over time due to inflation or claims trends. “Better” depends on local market pricing and long-term rate stability.

Can I switch from an attained-age plan to an issue-age plan later?

In most states, switching Medigap plans after your Open Enrollment Period requires medical underwriting unless you qualify for a special enrollment right. Approval is not guaranteed.

Does the type of pricing affect coverage?

No. Medigap plans are federally standardized. A Plan G provides the same medical benefits regardless of whether it is issue-age, attained-age, or community-rated. The pricing model only affects how premiums are calculated.

What should I focus on when comparing Medigap pricing models?

Look at the current premium, historical rate increase patterns, company stability, and your long-term health outlook. Comparing real quotes and rate history is more important than choosing a pricing label alone.

The post The Issue-Age Medigap Myth: Why “Age Doesn’t Matter” Isn’t the Whole Story appeared first on 65Medicare.org.

Medicare supplement insurance, or frequently referred to as “Medigap”, is private insurance which covers the gaps that Medicare doesn’t cover.  As an example, if you were admitted to the hospital and receive a bill, the amount that is approved by Medicare will be paid before your Medicare Supplement insurance company pays any other costs, i.e. deductibles or copays.

Each of the 10 Medicare Supplement plans offered in Pennsylvania are identified by a letter (A-N).  All Medigap plans are standardized – not only do they have to follow federal and state laws implemented to protect the consumer, but they must be clearly marked as “Medicare Supplement Insurance.  All plans with the same letter offer the exact same benefits, no matter which insurance company sells the plan.  However, premiums rates can vary from company to company.  The type of benefits and how many benefits covered by each plan determines how expensive it is.  Below is a table outlining the various benefits provided by each plan:

The post appeared first on 65Medicare.org.

Our role is different. We help individuals compare and enroll in Medicare Supplement (Medigap) plans after they have Medicare Parts A and B in place. If you are turning 65 or preparing to retire, this guide will walk you through when and how to sign up for Medicare — and what to do next.

When to Sign Up for Medicare

The most common time to sign up for Medicare is during your Initial Enrollment Period (IEP).

Your Initial Enrollment Period lasts 7 months:

• 3 months before the month you turn 65
• The month you turn 65
• 3 months after the month you turn 65

For example, if your 65th birthday is in June, your enrollment window runs from March 1 through September 30.

Learn more directly from Medicare here:
When to Sign Up for Medicare – Medicare.gov

Medicare Enrollment Timeline Chart

The chart below shows how your enrollment window works around your 65th birthday.

How to Sign Up for Medicare

You can sign up for Medicare in one of three ways:

1. Online (Fastest and Easiest)

Apply online through Social Security:
Apply for Medicare at SSA.gov

2. By Phone

Call Social Security at 1-800-772-1213.

3. In Person

Visit your local Social Security office.

If you are already receiving Social Security retirement benefits at least four months before turning 65, you will usually be automatically enrolled in Medicare Parts A and B.

Do You Have to Sign Up at Age 65?

Not always.

If you are still working and covered under a large employer health plan (20+ employees), you may qualify for a Special Enrollment Period (SEP) and delay Part B without penalty.

However, COBRA coverage does not count as active employer coverage for Medicare enrollment purposes.

If you delay incorrectly, you may face:

• Permanent Part B late enrollment penalties
• Permanent Part D late enrollment penalties

What Happens After You Sign Up for Medicare?

Once you enroll in Medicare Parts A and B, you’ll need to decide how to receive your coverage:

• Original Medicare + Medigap + Part D
• Medicare Advantage (Part C)

If you choose Original Medicare, you may want to compare Medicare Supplement plans to reduce out-of-pocket costs.

Learn more about Medigap here:
Medigap Plan G Explained

Or compare Medigap vs Medicare Advantage:
Medigap vs Medicare Advantage

After you understand how to enroll, the next step is reviewing your broader Medicare choices when turning 65, including Medigap, Part D, and Medicare Advantage.

Common Medicare Enrollment Mistakes

• Waiting too long to enroll in Part B
• Assuming COBRA counts as employer coverage
• Missing your 7-month Initial Enrollment Period
• Not coordinating Medicare with HSA contributions

Enrolling correctly the first time prevents penalties and coverage gaps.

Key Takeaways: Sign Up for Medicare the Right Way

To sign up for Medicare, apply through Social Security during your Initial Enrollment Period. The best time is 3 months before your 65th birthday month. If you are still working, confirm whether you qualify for a Special Enrollment Period before delaying Part B.

Once Medicare is active, compare your coverage options carefully to avoid unnecessary out-of-pocket costs.

Frequently Asked Questions About Signing Up for Medicare

Do I automatically get Medicare at 65?

You are automatically enrolled only if you are already receiving Social Security retirement benefits at least four months before turning 65.

Where do I sign up for Medicare?

You must enroll through the Social Security Administration at SSA.gov or by calling Social Security directly.

Can I delay Medicare if I’m still working?

Yes, if you have active employer coverage from a company with 20 or more employees. Otherwise, penalties may apply.

What happens if I miss my enrollment window?

You may have to wait until the General Enrollment Period and could face lifetime penalties.

When should I compare Medigap plans?

You should compare Medigap plans once your Part B effective date is set. Your Medigap Open Enrollment Period begins when Part B starts.

Ready to Compare Medigap Plans?

Once you have signed up for Medicare Parts A and B, the next step is protecting yourself from out-of-pocket expenses.

Compare Medicare Supplement (Medigap) plans here:
Get Medigap Quotes

We help you compare carriers, pricing methods, and underwriting considerations so you can enroll confidently.

The post Sign Up for Medicare – When and How to Do It appeared first on 65Medicare.org.

But when it comes to Medigap coverage, does the size of the insurance company really matter as much as people think?

The short, although ambiguous, answer is sometimes.

Why People Worry About Medigap Company Size

Insurance is built on trust, and Medicare beneficiaries often equate size with security. Larger companies are perceived as being financially stronger, more experienced, and less likely to leave the market. Those assumptions aren’t unreasonable, but they can be misleading when applied to Medigap plans.

That’s because Medicare Supplement insurance works very differently from most other types of health insurance.

Standardized Benefits Mean Coverage Is Identical

One of the most important things to understand about Medigap is that the benefits are standardized by federal law. A Plan G from one company must cover the exact same medical expenses as a Plan G from any other company.

This means your medical coverage does not improve simply because you choose a larger carrier. Medicare processes the claim first, and your Medigap plan automatically pays its portion. There are no networks, no referrals, and no differences in how doctors are paid. (How Does Medigap Work?)

So if coverage is identical, where does company size actually come into play?

How Medigap Company Size Affects Pricing Strategy

The biggest difference tied to medigap company size is how premiums are priced and adjusted over time.

Larger insurance companies can take a conservative pricing approach. They tend to start with higher premiums but aim for smaller, more predictable rate increases. Their large blocks of policyholders can help spread risk more evenly, which can contribute to long-term stability.

Smaller or mid-sized companies, on the other hand, often compete aggressively on price. They may offer lower initial premiums to attract new enrollees, especially in competitive markets. That can make them very appealing upfront, but it also means future rate increases need to be monitored carefully.

Neither approach is inherently better. The right choice depends on how long you expect to keep your Medigap plan, your tolerance for future rate changes, and whether you value the lowest price today or predictability over time. (Plan G vs Plan N: Which Is Better?)

Financial Strength Matters More Than Brand Recognition

A common mistake is focusing on company size instead of financial strength. A well-managed, financially sound mid-sized insurer can be just as reliable as a national household name. So, remember, just because you have not heard of a company, that does not mean that they are not financially stable. There are many companies consumers may not immediately recognize that have excellent financial strength ratings, including Insurance Company of North America (INA), a Chubb company, Bankers Fidelity, and Medico. All three are highly rated by A.M. Best.

When evaluating a Medigap company, it’s more important to look at:

• How long they’ve been offering Medigap plans
• Their financial ratings
• Their rate history in your specific state
• The size and stability of their Medigap policyholder block—not their overall company size

Some very large insurers have raised rates aggressively in certain states, while some smaller companies have demonstrated excellent long-term consistency. An independent broker can provide historical rate increase history that, although not a guarantee of future increases, can help you sort the best options.

Why Long-Term Flexibility Is Often Overlooked

Another reason medigap company size matters is how it affects your options down the road. In most states, switching Medigap plans later requires medical underwriting. If your health changes, your ability to move to a different company may be limited. (Can You Switch Medigap Plans Later?)

That’s why starting with a company that balances competitive pricing with reasonable long-term stability is so important. Choosing solely based on size or brand recognition can lock you into higher costs unnecessarily—or expose you to steeper increases later.

So, Does Medigap Company Size Matter?

In a way, yes. But financial strength and stability and premium rates are more important factors.

Medigap company size can influence pricing strategy, rate trends, and market behavior. It does not affect your medical coverage or how claims are paid. The best Medigap choice is almost never about picking the biggest company. It’s about choosing the company that fits your health, budget, and long-term plans.

That’s why comparing multiple carriers—large and small—side by side is the smartest way to make a confident decision.

______________________________________
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 Medigap Company Size – Does It Matter? 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).

_____________________
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.

Signing up for Medicare online is done through Sign up for Medicare | SSA. Once you go there, you will have two options – signing up for both parts of “original” Medicare, Part A and Part B OR signing up for only Part B (if you already have Part A). You would start by selecting whichever of those options applies to your situation.

There are a few things that you would need to have and provide when you are signing up. Those are listed here:

Basic information about yourself

• Social Security number
• Where you were born (city, state, country)

Health insurance information

• Start and end dates for any current group health plans
• Start and end dates for any group health plans after age 65

For Part B only

• Valid email address
• Your existing Medicare number

Once you start the process of signing up for Medicare online, you will be prompted for various pieces of this information. Also, as a part of that process, you will be prompted to create a login for the ssa.gov website if you do not already have one.

The alternatives to signing up for Medicare online would be going to a local Social Security office. You can find a local office near you using this tool: Social Security Office Locator, SSA Office Locator Social Security Office Locator, Social Security. However, it is strongly recommended, both by Social Security themselves and by us, that you apply for Medicare online if possible. Long wait times and other inconveniences associated with visiting a Social Security office in person are long-documented. You can also call Social Security at 1-800-772-1213 as an alternative, although many tasks cannot be completed by phone.

Once you have enrolled in Medicare, you would need to decide whether you are going to stay with “original” Medicare and possibly get a Medigap plan or whether you are going to consider going with a Medicare Advantage plan. Either way, we are an independent brokerage that can help you compare all of your options in a centralized place.

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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 How To Sign Up for Medicare Online? appeared first on 65Medicare.org.

The advantage of utilizing such a “birthday rule” open enrollment is that you can change to a lower premium plan that would provide you with the same medical coverage. Your Medigap agent should be contacting you annually if you live in a birthday rule state, if they are doing their job correctly, to ensure you have the best option. Often, once you have been on a Medigap plan for a few years, the price has gone up a few times and there are potentially less expensive/same coverage options.

Birthday rules can affect your ability to switch Medigap plans later. So, what states offer a “birthday rule” open enrollment period and how does those periods work? We’ve listed out the states that offer this provision, as of the date of this article, with some details about how it works in each state (varies by state).

California Birthday Rule

California was one of the original states to enact a “birthday rule” for Medigap open enrollment. In CA, the birthday open enrollment period lasts for 90 days, beginning 30 days before your birthday and ending 60 days after your birthday. During this time period, you can elect a new Medigap policy with equal or lesser benefits. The coverage will not be made effective until after your birthday (usually the 1st day of the following month) or beyond 60 days from the application date.

Idaho Birthday Rule

Idaho is one of the newer states offering the birthday rule to change Medigap policies. In ID, there is an annual 63 day open enrollment window during which you can replace your Medigap policy with a policy of equal or lesser benefits. Like CA, coverage will not be made effective until after your birthday or beyond 60 days from the application date.

Illinois Birthday Rule

Illinois is also a newer state offering the birthday rule. In IL, the birthday open enrollment period lasts for 45 days beginning on your birthday. During this time, you may replace your Medigap plan with a plan of equal or lesser benefits. There are two unique aspects of the IL birthday rule. First, you must be between the ages of 65 and 75 in order to make a change in IL using this birthday rule. Second, you must be changing to a plan offered through your current insurance company (i.e. an equal or lesser plan offered through a different subsidiary company of your current insurance company).

Kentucky Birthday Rule

The Kentucky birthday rule is an annual open enrollment period that lasts for 60 days. It begins on an individual’s birthday. During this time period, you can change your plan to a “like” plan with a different insurance company. For example, if you have Plan G with company X, you can switch to Plan G with company Y. The coverage would begin on or after the individual’s birthday (but no more than 60 days from their birthday).

Louisiana Birthday Rule

Louisiana’s birthday rule for Medigap, which just took effect in 2022, is an annual open enrollment period lasting 63 days and beginning on your birthday. To use this period, you must select a plan of equal or lesser benefits. Like the birthday period in IL, you must also select a plan through the same insurance company as your current Medigap plan. Coverage cannot be made effective prior to your birthday or beyond 60 days from the application date.

Maryland Birthday Rule

Maryland is one of the most recent states to pass birthday rule legislation for Medigap. The Maryland birthday rule for Medicare Supplement enrollees took effect on July 1, 2023. You must be in an active Medigap plan (not any other type of Medicare plan) at the time of eligibility to use this new rule. The Maryland rule specifies that you can switch to a Medigap plan with any carrier offering equal or lesser coverage. The time period for this eligibility period begins with your birthday each year and lasts up to 30 days after your birthday. During this birthday rule period, changes you make to your Medigap coverage are not subject to underwriting or health questions.

Missouri Birthday Rule

The Missouri birthday rule allows you to terminate your existing Medigap policy and select the same plan from a different company within 30 days of your policy anniversary date each year. Using this rule, you have up to 63 days from the termination date of your current plan to select a “like” plan from a new company and avoid going through medical underwriting.

Nevada Birthday Rule

Nevada’s annual open enrollment period lasts for 60 days and begins on the 1st day of your birthday month. During this time, you can replace your Medigap policy with any policy offering equal or lesser benefits without undergoing medical underwriting. Coverage cannot be made effective prior to your birthday or beyond 60 days from your application date. Get quotes on NV Medigap plans here.

Oklahoma Birthday Rule

The Oklahoma birthday rule lasts for 60 days and begins on your birthday. You are required to be currently enrolled in a Medicare Supplement with no gap in coverage greater than 90 days since your initial enrollment. You can replace your policy with a new policy with equal or lesser benefits. To use this birthday rule, you must both prove your current enrollment and have a statement from your insurer stating that you have not had a gap in coverage of more than 90 days since the effective date of coverage. Applications using the Oklahoma birthday rule can be submitted up to 30 days before your birthday, but coverage will not be made effective until your birthday or beyond 60 days from the application date.

Oregon Birthday Rule

Oregon’s annual open enrollment lasts 60 days, beginning 30 days before your birthday and ending 30 days after your birthday. During this time, you can replace your policy with a policy of equal or lesser benefits. Coverage cannot be made effective prior to your birthday or beyond 60 days after your application date.

Washington Open Enrollment Period

Washington’s open enrollment period is unique in that it is not tied to your birthday. Using WA’s open enrollment period, you can switch any time of the year to a “like” plan without underwriting or providing medical information. Also, with most plans, including B, C, D, E, F, G, M, or N, you can switch to any of those plans with a different company, regardless of whether it is higher or lower in benefits.

States with Year-Round Open Enrollment for Medigap

In addition to the states that have specific, annual open enrollment periods, there are a few states that have year-round open enrollment periods for people on Medigap plans.

As of the time of this article, there are three states that offer this: Connecticut, New York, and Vermont.

Other Considerations and Factors

Remember that you can change Medigap plans in any state at any time. The end-of-the-year annual election period (AEP), which many people refer to as Medicare open enrollment does not pertain to Medigap policies. However, if you are in one of the states listed above and you wish to change your plan outside of the state-specific periods, you will likely have to go through medical underwriting and be “approved” to change plans.

These state guidelines can change over time. It is always advisable to check with your specific state or a licensed independent broker who can advise you on your options and provide you with a list of the Medigap options available to you.

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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 or would like to see if there is a mutual fit to work together, you can contact us online or call us at 877.506.3378.

The post What is the Medigap “Birthday Rule” and Which States Have It? appeared first on 65Medicare.org.

First, let’s start with a basic fact – just like most other things in our lives and other types of insurance, your Medigap rate is going to go up over time! No matter what your insurance agent told you when you signed up, it is going to go up over time. Now, different companies may go up different amounts and future increases are very difficult to predict because they are based on claims ratios, changes to Medicare, and inflation – three variables that are uncertain. One thing that is not uncertain, though, is that the rate is going to go up. (Related: How Much Do Medigap Premiums Go Up Each Year?)

With that basic fact out of the way, WHEN it does go up, you should receive a notification by mail from your insurance company about 30-60 days in advance of when the rate is going to change. For most companies, rate changes occur in your policy anniversary month. This is usually your birthday month, assuming that you signed up for a Medigap plan the month you turned 65. The letter you receive will contain your new rate and should act as a prompt for investigating whether it makes sense to stay with the same plan or explore other options.

In most cases, especially if you have had the same Medigap plan for more than a year or two, there will be other options available for equivalent coverage (all plans are standardized – Medigap coverage chart) at a lower premium. If you have a broker, the broker should be able to easily provide you with a full list of plans so you can see how your rate compares to what else is available for your zip code and age. If you can save money for the same plan, it may make sense to change to a different company.

When Can You Change Your Medigap Plan?

Contrary to common misconception, you can change your Medigap plan at any time of the year. You don’t have to, and really shouldn’t, wait until the end of the year to change plans. The end of the year annual election period (what people call “open enrollment”) is all about Part D and Advantage plans and does not have anything to do with Medigap. Moreover, there are more people changing plans at that time of year and underwriting is different and slower.

The best time to change your Medigap plan is one month before your rate increase is going to take effect, making the new plan effective on the date that your current plan is changing its rate. In other words, in a hypothetical situation, you get a notice that your plan is going up in late April and the change is going to take effect on your policy anniversary date of 6/1 because that is your birthday month and you signed up when you turned 65. Once you get that notice, you review other plan premiums and see that you can save $40/month by switching from your current Medigap company to a different Medigap company for the same Plan G coverage. You can do an application in April or early May for a 6/1 effective date (usually takes 7-10 business days to be approved) and avoid the increase and save some money while keeping the same coverage.

How Do You Change Your Medigap Plan?

Changing Medigap plans is relatively easy to do, particularly if you are in pretty good health. When you first turn 65 or start on Medicare, you have an open enrollment during which you do not have to answer medical questions or be approved into a Medigap plan. However, after that initial 6 month open enrollment period, you do have to “qualify medically” in most instances (exceptions: states that have a birthday rule).

So, part of the changing process will be completing an application, providing health/medication information and going through review by an underwriter.

But the first step to changing your Medigap plan is reviewing Medigap quotes. This can be done by contacting your Medigap broker if you have one. He or she can provide you with a list of available Medigap plans and their premiums and even make recommendations based on their previous experiences with the different companies.

Once you have selected a new plan to apply for, you would complete an application for the new company. This can typically be done online or by phone in a matter of minutes. It usually takes about 7-10 days for the new company to review your application and approve it.

Medigap Underwriting Process

As mentioned above, a new Medigap policy will need to go through underwriting unless you fall into a unique situation or live in one of the states that has a “birthday rule”.

This underwriting process varies from company to company, as all companies ask different health questions and have different requirements. Aside from filling in health and medications information on the application itself, you also may need to have a telephone interview with a Medigap underwriter as part of the approval process.

Reviewing each company’s underwriting guidelines and processes is something your Medigap broker should be able to assist with as part of the company selection process.

If you have any questions about this process or would like a list of the plan options available to you, please contact us here or call us at 877.506.3378.

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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 or would like to see if there is a mutual fit to work together, you can contact us online or call us at 877.506.3378.

The post Should I Change My Medigap Plan If the Rate Goes Up? appeared first on 65Medicare.org.