That is correct – you would have to qualify medically to change from hdG to regular G. A physical is not required, but you have to answer medical questions on an application and the company would review your electronic medical records and possibly do a phone interview to determine whether or not you are “approved”. The open enrollment period you referenced – assuming you are referring to the Oct 15-Dec 7 annual election period – is just for Part D (drug coverage) plans and does not apply to Medigap plans at all. After your initial 6-month period when you turn 65 or start on Part B for the first time, there is not an open enrollment for Medigap. Hope this helps – let me know if you have other questions!

BG Sheldon,

Thanks for visiting our website. Yes, Plan G is open to anyone eligible for Medicare. That’s correct. This article is about HIGH DEDUCTIBLE PLAN G, which is a completely different plan. There are two versions of Plan G – standard and high deductible. The high deductible Plan G – which is what this article is about, it’s even in the title – is absolutely only available to people who turned 65 after 1/1/2020. You can view this information on any company’s website, application or underwriting guide, on Medicare.gov itself or in the highlighted version of this press release from CMS: https://www.cms.gov/medicare/health-drug-plans/medigap/f-g-j-deductible-announcements#:~:text=High%20deductible%20Plan%20G%20is,or%20after%20January%201%2C%202020.

Plan G is open to anyone eligible for Medicare. There’s no requirement that the subscriber turn 65 after 1/1/2020. The note you reference refers ONLY to plans C and F. It wouldn’t make any sense otherwise. This error should be corrected- it calls into question the validity of all the rest of your information.

Thanks for taking the time to comment! You may be confusing the high deductible Plan F, which is the plan for people who turned 65 before 2020. The high deductible Plan G, is only available to people new to Medicare after 1/1/2020. Medicare is not a good resource for Medigap information since they don’t oversee those plans, but this page on the Medicare website, specifically the note under the chart, explains: https://www.medicare.gov/health-drug-plans/medigap/basics/compare-plan-benefits

Yes, that is correct. Medicare still pays their portion and remains your primary coverage. The hdG Medigap plan is secondary to Medicare, and you pay out of pocket until you have met the hdG deductible. Hope that answers your question – let us know if you have others!

Hi Darlene, Thanks for contacting us. I sent you the list of Plan G prices and ratings this morning. Let me know if you have any questions!