Review 2023 Medicare Plans

When an individual turns 65 years of age, they have the option to enroll in Medicare (they may also qualify before the age of 65 if they are eligible for disability benefits). Basic Medicare, which includes Parts A and B, cover most of your basic hospital and doctor expenses, respectively. Unfortunately, "most" does not mean "all". The expenses which Medicare does not cover - sometimes referred to as "gaps" in coverage - are what Medigap insurance protects you from. A Medicare Supplement Insurance (Medigap) policy can help pay some of the remaining health care costs, like: copayments, coinsurance and deductibles.

You can sign up anytime, however, there are some time frames which, if you enroll in during those opportunities, can make the process much easier.

• The Medigap Open Enrollment Period: During your first 6 months of Part B coverage, your acceptance is guaranteed, regardless of your health problems.
• The "Guaranteed Issue" Period: If you are on the verge of losing coverage through an employer, you can have a "guaranteed issue" period lasting 63 days where you can purchase any Medicare Supplement Insurance policy with no health questions asked.

If you enroll in Medicare Supplement Insurance plans at any point outside of these time frames, you can likely go through  medical underwriting and answering lots of invasive health questions. To learn more, and to get help going through the process, call us today at 1-833-955-1335, TTY Users: 711