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Medicare Supplement (Medigap)

Q: Is Medigap or Medicare Advantage better?

A: It depends on your needs:

Medigap = higher premiums, very low out-of-pocket costs, nationwide freedom
Advantage = lower premiums, more benefits, network rules
There’s no one “best” option—just the best fit for your lifestyle.

Q: Will my Medigap premium increase over time?

A: Most likely, yes. Premiums can rise due to age, inflation, or company-wide pricing changes.

Q: Does Medigap cover dental or vision?

A: No. Medigap only covers medically necessary services under Original Medicare. You’d need a dental/vision plan or Medicare Advantage for those benefits.

Q: Can I be denied Medigap coverage?

A: Yes—outside your Medigap Open Enrollment window or a guaranteed-issue period, insurers can require health underwriting and may deny your application.

Q: What’s the difference between Medigap Plan G and Plan N?

A: Both offer strong coverage, but Plan N may have small copays ($20 for doctor visits, $50 for ER) and doesn’t cover excess charges. Plan G covers almost everything except the Part B deductible.