FAQs
Frequently asked questions
What is the difference between Medicare Supplement and Medicare Advantage?
With a Medicare Supplement (Medigap) plan you keep Original Medicare and the supplement pays the portion Medicare doesn't cover — you can see any doctor in the U.S. who accepts Medicare. Medicare Advantage (Part C) is an all-in-one alternative managed by private companies through a network, often including extras like dental and vision. You cannot have both at the same time.
When can I first enroll in a Medicare plan?
Your Initial Enrollment Period begins three months before the month you turn 65 and extends three months after. Miss it and you may face late-enrollment penalties, so it pays to plan ahead.
How much does your service cost?
Nothing — ever. You pay the exact same premium whether you enroll on your own or with our help. Carriers pay us, so you get a licensed advocate at no extra charge.
Do Medigap plans cover prescription drugs, dental, or vision?
Generally, no. Medigap plans cover the out-of-pocket costs of services covered by Original Medicare. For prescriptions you need a standalone Part D plan, and dental or vision require separate coverage.
Can my plan be canceled if my health gets worse?
No. As long as you pay your premiums on time, a Medigap policy is guaranteed renewable — the insurer can't cancel your plan or single you out for a rate increase based on your health.
What happens after I enroll?
We stay your agent. Annual reviews, claims questions, billing issues, and plan changes are all one phone call away — every year, at no cost.
Ready to find the right Medicare plan?
Compare plans from top carriers at no cost to you — no obligation, no pressure, no worries.