Your Medigap open enrolment window
Six months from the month you are 65 and enrolled in Part B. Inside it, health does not matter.
Medigap
Medicare Supplement (Medigap)
You keep Original Medicare, you keep any doctor in the country who accepts Medicare, and a supplement picks up most of what Part A and Part B leave behind. You pay a monthly premium for that predictability.
What this actually is
Medigap plans are standardised by letter, so Plan G from one carrier covers exactly what Plan G from another covers. What differs is price, rate-increase history and customer service. That makes this one of the few insurance decisions where shopping on price is defensible.
There is no network. If a provider accepts Medicare, your supplement travels with you, which is why people who spend winters elsewhere or who want a specific out-of-state hospital tend to land here.
Timing is the thing to get right. During your Medigap open enrolment window, which is the six months beginning when you are 65 or older and enrolled in Part B, carriers must issue you a policy regardless of health. Outside that window, most applications in Tennessee go through medical underwriting and can be declined.
What we do on this line
- Comparison of the plan letters available to you, with what each one actually pays
- Premium comparison across the carriers on our panel, with rate-increase history where it is published
- A clear explanation of your guaranteed-issue window and what happens after it closes
- A separate Part D drug plan recommendation, since supplements do not include drug coverage
- Underwriting screening before we submit anything, so you are not declined for sport
- Annual premium review, because supplement rates rise with age and with the block
What moves the number
Price is not random. These are the levers, in the order they usually matter.
Health history
Outside the window, underwriting applies in Tennessee and a decline is possible.
Travel and second homes
No network is the whole point for people who move around.
Budget predictability
Higher fixed premium, much lower variable cost when you use care.
How the appointment runs
- 01
Window check
First we establish whether you are inside a guaranteed-issue window, because that changes everything.
- 02
Letter choice
We narrow to the plan letters that fit how you want to pay for care.
- 03
Carrier shop
Same benefits, different price. We show the panel and the rate history.
- 04
Add Part D
A standalone drug plan chosen on your actual prescriptions.
Questions we get about medicare supplement (medigap)
No. Medigap plans do not include Part D. You buy a standalone prescription drug plan alongside, and we pick it on your drug list, not on the lowest premium.
It means the carrier must sell you the policy and cannot rate you up or decline you for health reasons. Your main window is the six months starting the month you turn 65 and have Part B.
It is a genuine trade, not a right answer. Supplement buys freedom of provider and predictable cost for a higher fixed premium. Advantage buys a lower premium and extra benefits for network rules. We lay out both and let you pick.
Yes, over time. Supplement rates generally increase with age and with the experience of the block. We review yours annually and tell you when a move is worth the underwriting risk.
Often bought alongside
Medicare Advantage
Part C plans that bundle hospital, medical and usually drug coverage inside a carrier network.
Read the detailPart D prescription cover
Standalone drug plans, chosen on your actual prescriptions and your actual pharmacy.
Read the detailCritical illness and supplemental
Cash-benefit policies that pay you directly when a deductible is the least of your problems.
Read the detailTwenty minutes usually settles it
Bring your prescriptions, the doctors you want to keep and a rough income number. We do the rest.
Our help is free to you. We are paid by the carrier you choose, and the premium is the same whether you use us or enrol on your own.