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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.

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.

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.

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.

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 less recognizable insurance companies that have ‘A’ or ‘A+’ AM Best financial strength ratings (i.e. Medico or INA/ACE).

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.

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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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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.

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

Here’s what to watch—and how to plan.

Part D Reform Under the Inflation Reduction Act (IRA)

The Inflation Reduction Act gives Medicare unprecedented authority to negotiate drug prices—set to go into full effect in 2026. The first wave of 10 high-cost drugs, including Eliquis, Jardiance, and others, will benefit from these negotiated prices. According to projections, beneficiaries may see cost reductions of at least 38% per negotiated drug, saving the program billions and cutting out-of-pocket costs substantially. (Verywell Health, Wikipedia)

Deductible, OOP Cap, and Insulin Cost

For 2026, expect changes to Part D cost structure:

• Deductible increases to $615 (up from $590). (Kiplinger)
• Out-of-pocket cap rises to $2,100 (from $2,000). (Kiplinger)
• Insulin costs capped at $35/month, now a permanent feature under Part D and B starting in 2026

Another consumer-friendly feature: expanded vaccine coverage at zero or reduced cost.

Additionally, the Drug Price Negotiation Program is rolling out and includes selected drug subsidies—a portion of negotiated prices will be subsidized by CMS during the initial coverage phase, reducing sponsor liability. (Centers for Medicare & Medicaid Services)

Premium Trends and Subsidy Shifts

Despite these benefits, Part D premiums could climb due to plan design shifts and reduced federal subsidies. A recent Wall Street Journal report anticipates a rise—stemming from reduced insurer subsidies and tighter protections. (Wall Street Journal)

Finalized Guidance & Plan Design Overhaul

CMS has released the Final CY 2026 Part D Redesign Program Instructions, which codifies IRA provisions into plan structure changes. This includes updated cost-sharing phases and the mechanics for the new subsidy program. (Centers for Medicare & Medicaid Services, Medicare & Medicaid Portal)

These updates aim to enhance affordability and reflect the richer benefit design. (Medicare & Medicaid Portal)

Changes in Medicare Advantage Plans

Payment Rates and Risk Adjustments

CMS has also finalized 2026 changes affecting Medicare Advantage (MA):

• MA plan payment rates are increasing by approximately 5.06%, injecting new resources into plans.(MedStates)
• Risk adjustment models for both MA and Part D are being updated, refining how plans are paid based on patient acuity.(MedStates, Applied Policy)

These changes may influence service areas, benefit levels, and plan availability during open enrollment.

Final Rule and Consumer Protections

CMS’s final CY 2026 rule strengthens policies across MA and Part D, incorporating IRA mandates and codifying new protections, including those relating to insulin and vaccines.(Federal Register, Sheppard Health Law)

Additionally, proposed MA and Part D reforms—such as expanded access to anti-obesity medications, behavioral health services, and tighter marketing rules around AI and prior authorization—were not all finalized.(Centers for Medicare & Medicaid Services, Sheppard Health Law)

What This Means for Beneficiaries During Open Enrollment (Oct 15–Dec 7, 2025)

Part D: Evaluating Plans Under a New Structure

With Part D’s new design in effect beginning January 2026, beneficiaries may want to:

• Compare plans based on new deductibles and OOP caps
• Check if their prescriptions are on the negotiated drug list, which may reduce their costs
• Budget for potentially higher premiums—but significant savings on medications may offset the increase

Medicare Advantage: Plan Choice and Benefit Design

If you’re using an MA plan:

• Check if your current plan’s network and benefit structure remain stable given new CMS payment rules and risk scores
• Explore alternate MA plans that might offer lower cost-sharing or expanded benefits funded by the increased payments

Particularly Important for Dual-Eligibles and Low-Income Beneficiaries

• CMS’s updates could change benefit packages and enrollment rules—especially for D-SNPs (Dual-Eligible Special Needs Plans) and those receiving low-income subsidies (LIS). The risk adjustment and subsidy changes may impact plan availability and cost-sharing.(Federal Register, MedStates)
• Keep an eye on modifications to Low-Income Subsidy rules and premium expectations.(Wikipedia)

Medigap and Other Supplemental Coverage Considerations

While much attention is on Medicare Advantage and Part D, and those are the plans that utilize this annual election period (When is Medicare Supplement Open Enrollment?), beneficiaries who are on Original Medicare must also prepare for 2026.

• Medigap Availability: Medigap (Medicare Supplement) plans remain standardized, but premiums may shift due to healthcare inflation and demographic changes. Beneficiaries should compare carriers and consider switching if premiums become unaffordable. Get a list of current Medigap rates by email.
• Standalone Dental & Vision Plans: Since Original Medicare generally does not cover routine dental or vision care, standalone policies are expected to remain an important option in 2026.

Summary Table: Major Changes for 2026 Enrollment Period

Expert Perspective on 2026 Medicare Open Enrollment

Policy experts emphasize the significance of this upcoming period:

“The 2026 Medicare Enrollment Period is not just another year of minor updates—it represents a fundamental shift in how Medicare operates, particularly for prescription drug coverage,” notes Tricia Neuman, Executive Director of the Medicare Policy Program at KFF.

Beneficiaries who are prepared will be best positioned to take advantage of these changes and avoid getting stuck in a plan that does not serve their needs due to increased premiums or reduced networks/coverage.

Final Thoughts

The 2026 Medicare enrollment period, running from October 15 to December 7, 2025, will be one of the most complex in recent years.

Thanks to the Inflation Reduction Act, prescription drugs are becoming more affordable for many Medicare Part D enrollees—with caps on out-of-pocket costs, insulin price limits, and negotiated drug savings. However, this is also likely to lead to increased premiums. Medicare Advantage plans will also see funding boosts and structural changes that may benefit enrollees but could also lead to reduced service areas or other restrictions.

With change comes complexity:

• Comparison shopping is more important than ever—don’t assume your current plan remains optimal. Be on the lookout for your Annual Notice of Change (ANOC) that will come in late September/early October.
• Understand coverage phase changes. New deductibles and negotiating savings will affect finances differently depending on medication usage.
• Watch for changes in plan availability, benefit offerings, and provider networks due to revised MA payments and risk scores.

Getting ahead by reviewing available options starting October 1—and acting promptly—can make a big difference in both coverage and cost.

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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

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