Life Insurance: Questions to Ask Before You Buy
Start With the People Who Depend on You A life insurance review begins with your household, responsibilities, and goals. Think about the income you contribute,
Medicare Supplemental
Supplemental Coverage for Original Medicare
Medicare Supplement Insurance — Medigap
Medigap is private insurance that helps pay certain out-of-pocket costs under Original Medicare, such as deductibles, copayments, or coinsurance. It works with Original Medicare and is different from Medicare Advantage.
Compare Coverage and Cost
You generally need both Part A and Part B. In most states, policies use standardized plan letters, but premiums can differ by insurer. Review the benefits of the specific plan, its premium, and any applicable restrictions.
Medigap does not replace Part D prescription drug coverage. Read the official Medigap basics before comparing options.
Timing Matters
The federal Medigap Open Enrollment Period generally lasts six months starting when you are 65 or older and enrolled in Part B. It is different from Medicare’s annual fall enrollment period.
Outside a protected enrollment opportunity, an insurer may be allowed to use medical underwriting. Guaranteed-issue rights and additional state protections may apply. Check Medicare’s guidance on when to buy Medigap.
Ask About Your Situation
Bring your Medicare effective dates and current coverage information. Call 908-603-7500 to discuss the questions that matter to your review.
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