✅ Medicare Supplement Insurance (Medigap) Explained
Independent Medicare Help in Augusta, GA
Helping you fill the “gaps” in Original Medicare coverage
🧍♂️ Tab 1: Who Qualifies for a Medicare Supplement Plan
To qualify for a Medicare Supplement (Medigap) plan, you must:
✅ Be enrolled in both Medicare Part A and Part B
✅ Live in the plan’s service area (plans available in Augusta, GA)
✅ Typically be age 65 or older
- In some states, you may qualify under 65 if you're disabled (check GA rules)
✅ Apply during your Medigap Open Enrollment Period or be eligible for a Guaranteed Issue Right
💡 Medigap policies are sold by private insurance companies, and they help cover copayments, coinsurance, and deductibles from Original Medicare.
💲 Tab 2: What the Cost Is
Medigap plan costs can vary based on:
- The plan letter you choose (e.g., Plan G vs. Plan N)
- Your age, zip code, gender, tobacco use, and sometimes health history (if outside open enrollment)
- The insurance company’s pricing method:
- Community-rated
- Issue-age-rated
- Attained-age-rated
Typical 2025 Monthly Premium Ranges (Augusta, GA area):
Plan TypeAge 65 (Non-smoker)Age 70Age 75Plan G$110 – $160$125 – $175$140 – $190Plan N$85 – $130$95 – $140$110 – $155
These are estimates. I help compare exact rates from all top carriers in your zip code.
📅 Tab 3: When Can One Sign Up for Medigap
🟢 Medigap Open Enrollment Period (OEP)
- 6-month window begins the first month you're 65 or older AND enrolled in Part B
- Best time to enroll — no medical underwriting
🟡 Guaranteed Issue Rights
You may qualify if:
- You lose other health coverage (e.g., retire, lose group plan)
- Your Medicare Advantage plan exits your area
- You have a trial right (returning to Original Medicare within 12 months)
⚠️ After OEP:
- You may be underwritten (subject to health questions), and some carriers may deny coverage or charge more
💡 Planning to delay Part B? We can time your Medigap enrollment to avoid penalties and coverage gaps.
🔮 Tab 4: Possible Changes in 2026
🧾 1. Premium Increases
- Medigap premiums may rise annually due to age or inflation
- Expect updated pricing from most carriers in late 2025
🧑⚕️ 2. Increased Interest in Plan N & High-Deductible G
- Plan G remains the most popular, but some clients may shift to Plan N or HD-G to save on premiums
📉 3. MACRA Restrictions Continue
- Plan F is no longer available to new Medicare enrollees after Jan 1, 2020
- Those eligible before 2020 can keep or enroll in Plan F
📊 4. No Major Legislative Changes Expected
- Medigap benefits are standardized — most updates will relate to pricing or insurer offerings
🛑 As your local agent, I’ll keep you informed about changes to plan availability, pricing, and rules in Georgia.
🧾 Medicare Supplement Plan Comparison Table
- For the most current table, use this link:
https://www.ncdoi.gov/medicare-supplement-plan-comparison-chart/open
Notes:
- HD-G: High-Deductible Plan G has a deductible of $2,800 in 2025
- 🟡² Plan N requires copays: up to $20 for office visits, $50 for ER
- ¹ Plan F is only available to those eligible for Medicare before Jan 1, 2020