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.
Q: What happens if my doctor leaves my plan’s network?
A: You may need to choose a new doctor, or if this creates hardship, you may qualify for a Special Enrollment Period to switch plans.
Q: Can I switch from Medicare Advantage back to Original Medicare?
A: Yes. You can switch during the Annual Enrollment Period (Oct 15–Dec 7) or during the Medicare Advantage Open Enrollment Period (Jan 1–Mar 31). You may need to pass underwriting to get a Medigap plan afterward.
Q: Do Medicare Advantage plans include drug coverage?
A: Most do, but not all. Always check if prescription coverage is included before enrolling.