Original Medicare + Supplement

Medigap Prompts

Understand the standardized letter plans, protect your enrollment rights, and compare policies on structure instead of sales language.

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Standardized by Letter

Plan G is Plan G everywhere except three states — the benefits are set by law, the price is not.

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One Protected Window

Your six-month open enrollment and any guaranteed issue rights are when health history cannot be used against you.

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Compare Structure, Not Slogans

Pricing method and rate history matter more over ten years than the first-year premium.

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    How Medigap Actually Works

    Standardized letter plans, what they fill in, and what they never cover.

Plan Comparison

Explain the Standardized Medigap Letter Plans

What each lettered plan covers and why identical letters differ in price.

I live in [state] and am considering a Medigap policy.

Explain how standardized Medigap plans work: what the lettered plans have in common, which gaps in Original Medicare each one fills (Part A coinsurance, Part B coinsurance, Part B deductible, excess charges, skilled nursing coinsurance,

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Explain the Standardized Medigap Letter Plans

What each lettered plan covers and why identical letters differ in price.

I live in [state] and am considering a Medigap policy.

Explain how standardized Medigap plans work: what the lettered plans have in common, which gaps in Original Medicare each one fills (Part A coinsurance, Part B coinsurance, Part B deductible, excess charges, skilled nursing coinsurance, foreign travel), and which letters are unavailable to people newly eligible. Explain why two companies selling the same letter charge different premiums, and how pricing methods (community-rated, issue-age, attained-age) change costs over time. Note that Massachusetts, Minnesota, and Wisconsin standardize differently, and tell me where to verify my state's rules.

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Coverage Rules

What Medigap Does Not Cover

Clarifies the gaps a supplement leaves behind so nothing surprises you.

Explain clearly what a Medigap policy does NOT cover: prescription drugs, dental, vision, hearing, long-term custodial care, and anything Original Medicare itself does not approve.

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What Medigap Does Not Cover

Clarifies the gaps a supplement leaves behind so nothing surprises you.

Explain clearly what a Medigap policy does NOT cover: prescription drugs, dental, vision, hearing, long-term custodial care, and anything Original Medicare itself does not approve.

For each gap, explain how people typically handle it, what the trade-offs are, and what to watch out for. Do not recommend any specific company or product. End with the questions I should ask before assuming a service will be paid for.

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    Open Enrollment and Guaranteed Issue

    The one window where health history cannot be used against you.

Enrollment

Check My Medigap Guaranteed Issue Rights

When you can buy or switch without medical underwriting.

I am considering moving from [current coverage] to a Medigap policy. My situation: [turning 65 on date / losing employer coverage / my plan is leaving my area / I moved / voluntary switch]. I live in [state] and my health history includes [summary].

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Check My Medigap Guaranteed Issue Rights

When you can buy or switch without medical underwriting.

I am considering moving from [current coverage] to a Medigap policy. My situation: [turning 65 on date / losing employer coverage / my plan is leaving my area / I moved / voluntary switch]. I live in [state] and my health history includes [summary].

Explain my Medigap open enrollment and guaranteed issue rights: when they apply, how long each window lasts, and what happens if I miss them. Explain medical underwriting in plain language. Highlight state-specific rules such as birthday rules or continuous open enrollment, and tell me how to verify them with my state insurance department.

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Enrollment

Can I Leave Medicare Advantage and Get a Medigap Policy?

Trial rights, the 12-month rule, and what underwriting means if you miss them.

I am currently in a Medicare Advantage plan in [state] and I am thinking about switching to Original Medicare with a Medigap policy. I joined my Advantage plan on [date] and my health history includes [summary].

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Can I Leave Medicare Advantage and Get a Medigap Policy?

Trial rights, the 12-month rule, and what underwriting means if you miss them.

I am currently in a Medicare Advantage plan in [state] and I am thinking about switching to Original Medicare with a Medigap policy. I joined my Advantage plan on [date] and my health history includes [summary].

Explain my rights: trial-right rules, the 12-month window, what happens after it closes, and how medical underwriting would apply in my state. Lay out the sequence of steps and deadlines in order, including what has to happen with Part D. List the risks of dropping Advantage before a Medigap policy is approved.

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    Comparing Policies and Premiums

    Compare on structure and rate history, not on the first quote you see.

Plan Comparison

Build My Medigap Comparison Framework

An objective scoring sheet for evaluating policies without a sales pitch.

I live in [ZIP code], I am [age], and my priorities are [predictable costs / lowest premium / travel coverage / minimal paperwork].

Build an objective comparison framework for choosing among Medigap policies. Include: which letter plan levels match my priorities, how to compare premiums

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Build My Medigap Comparison Framework

An objective scoring sheet for evaluating policies without a sales pitch.

I live in [ZIP code], I am [age], and my priorities are [predictable costs / lowest premium / travel coverage / minimal paperwork].

Build an objective comparison framework for choosing among Medigap policies. Include: which letter plan levels match my priorities, how to compare premiums across pricing methods over a 10-year horizon, what rate increase history to ask about, how financial strength ratings work, and what household or paperless discounts commonly exist. Do not recommend an insurer. End with the exact questions to ask and where to verify available policies for my ZIP code on Medicare.gov.

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Plan Comparison

Medigap Versus Medicare Advantage for My Situation

A structured, criteria-based comparison of the two routes.

I live in [county, state]. I travel [rarely / several months a year], see these specialists: [list], and use these facilities: [list]. My monthly premium budget is about [$amount] and my tolerance for unexpected out-of-pocket costs is [low / medium / high].

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Medigap Versus Medicare Advantage for My Situation

A structured, criteria-based comparison of the two routes.

I live in [county, state]. I travel [rarely / several months a year], see these specialists: [list], and use these facilities: [list]. My monthly premium budget is about [$amount] and my tolerance for unexpected out-of-pocket costs is [low / medium / high].

Compare Original Medicare plus Medigap against Medicare Advantage for someone in my situation. Be objective and do not name a company. Cover networks and referrals, out-of-pocket maximums, prior authorization, travel and out-of-area care, drug coverage, and future switching rights including underwriting. End with what to verify in the official Plan Finder for my ZIP code.

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