United Medicare Advisors

What is the difference between Medicare Supplement and Medicare Advantage?

Medicare Supplement (Medigap) works alongside Original Medicare as a secondary payer, covering the 20% that Parts A and B leave behind. You can see any doctor who accepts Medicare. Medicare Advantage (Part C) is an all-in-one alternative from a private company that replaces Original Medicare with network-based care (HMO/PPO), often including extras like dental and vision. You cannot have both at the same time.

When is the best time to buy a Medigap policy?

The best time is during your Medigap Open Enrollment Period — the 6-month window that starts the first month you are 65 or older and enrolled in Medicare Part B. During this time, you have guaranteed issue rights, meaning insurance companies must sell you a policy at the same price as someone in perfect health, regardless of your medical history.

Does Medigap cover prescription drugs, dental, or vision?

Generally, no. Medigap plans cover the out-of-pocket costs of medical and hospital services under Original Medicare. For prescriptions, you must buy a standalone Medicare Part D plan. For dental, vision, and hearing, you would need separate private insurance, though some Medigap providers offer add-on discounts.

Why can't I buy Plan F or Plan C anymore?

If you became eligible for Medicare on or after January 1, 2020, you cannot buy Plan F or Plan C. Federal law changed to prohibit plans from covering the Medicare Part B deductible ($283 in 2026). Plan G has become the new gold standard, covering everything Plan F did except that Part B deductible.

Can my Medigap policy be canceled if my health gets worse?

No. As long as you pay your premiums on time, your Medigap policy is guaranteed renewable. Even if you develop a chronic illness or have high medical bills, the insurance company cannot cancel your plan or raise your specific rate based on your health status.