• positive review  I am so thrilled to have this selection over with. The relief is beyond description. Joann listens and talks straight. And with me if I hear or feel something is off I will politely exit the conversation. My questions and feedback were truthfully answered and at no time did I get the feeling that I was being lead, pushed or a sales pitch was happening. It was great service. Thank you and thanks for listening.

    thumb Pilan Sue Butts
    April 5, 2019
  • 5 star review  I found Joann on YouTube while researching supplemental insurance. Her videos are so easy to understand Medigap. I have been in contact via email and phone. I highly recommend watching her videos. Thank you Joann for making it easy to navigate this new chapter in my life.

    thumb Tina Hiebert
    September 19, 2018
  • 5 star review  Best decision I made going through Remdigap. I must have watched 40-50 videos from several different carriers and they mostly seemed shady. One I spoke to Joanne and walked through options, receieved some quotes she took care of the rest with absolutely no pressure. Oh yeah, her videos are clear and concise.

    thumb Joe Moynihan
    June 15, 2018
  • 5 star review  My husband and I have been researching Medigap and Part D plans for months. Once we thought we knew what we were doing, we would find out we didn’t! Lol! If we would have started here, with Joann and REMEDIGAP, it would have been painless! So thankful we found her! Watch the videos, ask ANY question, and rest assured you’ll get a competitive rate and ZERO pressure. We got a super fast response which was helpful with my work schedule. Joann is genuine, easy to talk to, has a great sense of humor! What a Godsend. Feels like good old-fashioned customer service to me. Grateful.

    thumb Angele Navares
    April 30, 2018
  • 5 star review  I came across Remedigap by chance and after reading some of the reviews I knew I had to check them out. I am so glad I did!!! So glad I had to tell anyone who will listen…hence this review. I cannot thank Joann enough for answering my questions at the 11th hour! She has, hands down, provided me with the most consise straightforward answers to my questions. Without so much as a hint of pressure in one direction or a other, so refreshing…so very important in this day and age when healthcare coverage can be dauntingly confusing! I appreciate it so much!

    thumb Elizabeth Tatge
    December 7, 2017
  • 5 star review  Phoned them “cold” – based on a local area on aging recommendation and several comments penned by Ms. Quinn on websites. Unlike ALL other agencts, only Joann refrained from asking for my commitment to by a plan through them. At the same time, Joann put some searches into play and has promised to phone me once more with additonal input. It was I who offered to write this testimonial. Withouit purchasing a policy, it is the only way I know to express my gratitude for her professional conduct and genuine concern. Thank you, Joann! PS: You can take the teacher out of the school, but you can’t take the schoolteacher away. Your videos are very clearly laid-out: like a carefully constructed lesson

    thumb Karen P. Katz
    November 7, 2017
  • 5 star review  Highly recommend REMEDIGAP videos if you want to understand the Medicare/medigap maze. Joann was thorough in her responses to my questions and requests for rates. Undoubtedly, I will be contacting this company when it is time for me to purchase a medigap policy.

    thumb Rick Graves
    September 27, 2017
  • 5 star review  Very professional and courteous service. I will have a long term relationship with this business!

    thumb Jack Broome
    May 12, 2017
  • 5 star review  This was the best thing I could have done for my self every thing was explained to me so I could make the best choice for me.And when I need help later they will be there for me .

    thumb Diane Langille-stone
    September 18, 2016
  • 5 star review  I left my Medicare Advantage HMO for a Medigap Plan N — I’m so happy I made the change. Joann was there to help me every step of the way and make the process so easy. What could have been an overwhelming situation ended up being completely stress free, thanks to Joann.

    thumb Lorraine Roche
    August 7, 2016

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Cost of Supplemental Medicare Insurance

Medigap is Medicare Supplemental Insurance

Cost of Supplemental Medicare Insurance

The insurance premiums for Medicare Supplement Insurance varies from company to company.

New to Medicare? Losing employer or retiree benefits? Ready to change Medigap plans? You may be in the thick of research or just starting out. Either way, there are a few points about the cost of supplemental Medicare insurance that will help in your decision making.

Why does the cost of Medicare Supplement insurance increase?

Insurance companies raise rates for many reasons. Inflation and medical pay outs are just a couple reasons why premiums increase. Large insurance companies are popular, but they also have tremendous overhead and big marketing budgets. This can add to your premium costs. Premiums are also priced based on how your Medigap policy is rated.

  • Attained age rated
  • Community rated
  • Issue age rated

Attained age rated Medigap Policies

This is the most common Medigap policy sold by insurance companies. The premium reflects your age at the time you buy the policy. It’s priced low for younger seniors and can increase as you age. Inflation and other factors also cause premiums to rise.

Community rated Medigap Policies

This policy is priced the same for everyone regardless of age. Insurance companies raise premiums due to inflation and other circumstances, but not age. Beware, these plans often start out at a higher premium. Some insurance agents may try to convince you that it’s better to pay more now.

Issue age rated Medigap Policies

The rate you receive for this policy is based on the age you are when you buy it. Premiums are lower for seniors buying at a younger age. Rates won’t increase because you get older. Don’t be misled by Issue age policies. While the insurance company can’t raise your rate because of your age, they’ll still give you an increase and blame it on the rising cost of health care.

Important Medigap protection from CMS:

CMS (Center for Medicare and Medicaid Services) allows Medigap insurance companies to change premiums, but they are not allowed to modify plan benefits. Our job is to help you understand these rules so you can make the best decision when buying Medigap.

Private insurance companies selling Medigap insurance must:

  • Offer Standardized Medigap Plans
  • Pay Medicare approved claims according to the Medigap Plan benefits
  • Provide a 30 Day money back guarantee

Below are excerpts from the CMS Guide to Health Insurance for People with Medicare.

Page 9, CMS Guide to Health Insurance

Page 13, CMS Guide to Health Insurance

Page 32, CMS Guide to Health Insurance


Shopping for Medigap Insurance

Medigap is another name for Medicare Supplement insurance. Medigap is popular because it “fills in the gaps” and pays your claims after Medicare pays its portion. There are a couple popular ways to buy Medigap insurance.

  • Buy direct from the insurance carrier: this option provides you with one product and no other choices.
  • Buy through an independent agent: this option provides you with an advocate and multiple choices.

If you’re turning 65 or losing employer coverage and are new to Medicare Part B, it’s a great time to buy Medigap.

The month you turn 65 and are enrolled in Part B begins your one time Medigap Open Enrollment period. This Medigap enrollment period lasts for six months. Notice, I said “one time” Medigap Open Enrollment period.

CMS law allows you this once in a lifetime opportunity to purchase any Medigap plan you want. Why is this a big deal? If you don’t purchase Medigap insurance during your Medigap Open Enrollment period, you must medically qualify for a Medigap plan later. It may not seem like a big deal if you’re healthy. But if you have a chronic or serious health condition, take advantage of this opportunity.

If you already have Medigap and your premium is increasing, you may be able to lower it. 

 Compare Medigap Plans to Save

It’s very likely that there are several Medigap companies that offer the same exact plan you have but at a lower premium. These savings can be made without losing your current benefits. Since the Medigap Open Enrollment opportunity is not available, you’ll need to answer the health questions on the Medigap application. An independent resource, like REMEDIGAP, can review your health status and determine what insurance companies may be a good fit for you.

It’s that simple to save hundreds of dollars off the cost of supplemental Medicare insurance!

Remember, CMS makes the rules and laws for Medigap insurance companies to follow. The private insurance companies must abide by these rules in order to sell Medigap plans.

  • Offer Standardized Medigap Plans
  • Pay Medicare approved claims according to the Medigap Plan benefits
  • Provide a 30 Day money back guarantee

Still not convinced?  Contact us today at 888-411-1329 to see how we can help you.

Joann Quinn

Joann Quinn

Hello, my name is Joann Quinn and I'm the co-founder of REMEDIGAP.com and a licensed independent insurance agent in multiple states. I've written over 50 articles about Medicare and Medigap insurance. My goal is to make Medicare and Medigap less confusing. I know Medicare seems overly complicated, but with some guidance you'll gain the confidence you need to make important decisions about your benefits.

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