How Medicare Supplement (Medigap) Plans Work
Guaranteed-issue matters
After your one-time 6-month Medigap Open Enrollment Period, carriers in most states can medical-underwrite you and either deny coverage or charge higher premiums. Plan the timing carefully.
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Sources & references
📚 Where this information comes from
- Medicare.gov — official U.S. government site for people with Medicare ↗Primary source for benefits, enrollment periods, and plan comparison.
- CMS.gov — Centers for Medicare & Medicaid Services ↗Federal rulemaking, program updates, and official guidance.
- Social Security Administration — Medicare enrollment & premiums ↗Enrollment, premium withholding, and IRMAA determinations.
When you're ready, compare plans on your own terms
See Medicare Advantage plans from the insurance companies we represent, or walk the course with a licensed agent whenever you'd like a second set of eyes.
We help compare Medicare Advantage plans from the insurance companies we represent, and we don't offer every plan available in your area.
We're here for more than enrollment.We're here for the entire round.
Most Medicare websites help you choose a plan. Medicare Caddies stays with you after you've enrolled.
Whether you enroll online or with one of our licensed insurance agents, you'll always know who to reach out to when Medicare questions come up. When possible, you'll work with the same Medicare Caddie who already knows your situation — no call center, no starting over, no explaining your story to someone new every time.
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- Moving to another state
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