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Medigap open enrollment period is the most important six-month window in your Medicare journey. This one-time period begins the month your Medicare Part B takes effect. You must be 65 or older. During this window, federal law gives you guaranteed issue rights. No insurance company can deny you a Medigap policy. Table of Contents When … Read more
Medicare special enrollment period is a designated window that lets you sign up for or change Medicare coverage outside of regular enrollment. Most people enroll during the Initial Enrollment Period around their 65th birthday. But life doesn’t always follow that schedule. You might lose employer coverage unexpectedly. You might move to a new state. You … Read more
Medicare advantage open enrollment gives current Medicare Advantage members a chance to rethink their coverage each year. This period runs from January 1 through March 31, 2026. It exists specifically for people already enrolled in a Medicare Advantage plan. During these three months, you can make one coverage change. You might switch to a different … Read more
Medicare annual enrollment period runs from October 15 to December 7 every year. This is the one window when every Medicare beneficiary can change their coverage. You can switch Medicare Advantage plans. You can return to Original Medicare. You can join, change, or drop a Part D prescription drug plan. Table of Contents When Is … Read more
Medicare initial enrollment period is your seven-month window to sign up for Medicare coverage. This critical window opens three months before the month you turn 65. It includes your birthday month and extends three months after. In 2026, understanding this timeline is more important than ever. The standard Part B premium has risen to $202.90 … Read more
Medigap Plan N is a Medicare Supplement insurance plan that balances strong coverage with lower premiums. It covers most of the gaps left by Original Medicare, including Part A deductibles and Part B coinsurance. However, it requires small copays for certain doctor visits and emergency room trips. Table of Contents What Does Medigap Plan N … Read more
Medigap Plan M is one of the lesser-known Medicare Supplement options. It fills many of the same gaps as other Medigap plans. However, it takes a unique approach to the Part A hospital deductible. Instead of covering the full $1,736 Part A deductible in 2026, Medigap Plan M covers only 50%. That means you pay … Read more
Medigap Plan L is a federally standardized Medicare Supplement plan that covers 75% of most out-of-pocket costs under Original Medicare. Ten lettered Medigap plans exist today. They range from basic coverage under Plan A to comprehensive protection under Plan G. Medigap Plan L sits between these extremes. Table of Contents What Does Medigap Plan L … Read more
Medigap Plan K is one of 10 standardized Medicare Supplement plans available in most states. It stands apart from other Medigap options with a unique cost-sharing structure. Instead of covering 100% of Medicare’s gaps, this plan splits many costs 50/50 with you. However, it includes an annual out-of-pocket limit that caps your total spending. Table … Read more
Medigap Plan G is the most popular Medicare Supplement plan sold in the United States today. It covers nearly every out-of-pocket cost that Original Medicare leaves behind. In fact, it pays for eight of the nine standardized Medigap benefits. The only expense it does not cover is the annual Medicare Part B deductible. In 2026, … Read more