Explore Medicare Supplement (Medigap) plans, including Plan G and Plan N, costs, guaranteed issue rights, and long-term coverage protection.
There is a specific kind of quiet panic that sets in around February or March. It’s the sound of a phone clicking shut after a three-hour marathon with a customer service representative who is reading from a script in a city three time zones away. It’s the realization that the “free” gym membership and the … Read more
If you’re on a Medicare Advantage plan and thinking about leaving, you’re not alone. Every year, millions of people switch from Medicare Advantage back to Original Medicare — and many of them pick up a Medicare Supplement plan (also called Medigap) to cover the gaps. But whether you can switch and whether you should switch … Read more
Michigan Medicare Guide Michigan Medicare Supplement underwriting rules: no birthday rule, no safety net, and what that means for you By Cindy Kowalski, Licensed Independent Medicare Advisor • Updated for 2026 • Part of our state-by-state Medicare Supplement guide Michigan has no birthday rule. No annual Medigap open enrollment. No state-mandated carrier that must accept … Read more
Illinois Medicare Guide Illinois Medicare Supplement underwriting rules: birthday rule, Blue Cross guaranteed issue, and everything in between By Cindy Kowalski, Licensed Independent Medicare Advisor • Updated for 2026 • Part of our state-by-state Medicare Supplement guide Illinois gives Medigap enrollees more flexibility than most states — but less than you might think. The Illinois … Read more
Georgia Medicare Guide Georgia Medicare Supplement underwriting rules: what happens after your enrollment window closes By Cindy Kowalski, Licensed Independent Medicare Advisor • Updated for 2026 • Part of our state-by-state Medicare Supplement guide Georgia does not have a birthday rule. Georgia does not have an annual Medigap open enrollment period. Once your initial six-month … Read more
Connecticut Medicare Guide Connecticut Medicare Supplement underwriting rules: year-round open enrollment and what it means for you By Cindy Kowalski, Licensed Independent Medicare Advisor • Updated for 2026 • Part of our state-by-state Medicare Supplement guide If you’re 65 or older and live in Connecticut, you can apply for any Medicare Supplement plan, from any … Read more
New York Medicare Guide New York Medicare Supplement rules: the strongest protections in the country By Cindy Kowalski, Licensed Independent Medicare Advisor • Updated for 2026 • Part of our state-by-state Medicare Supplement guide If you have a Medicare Supplement plan in New York, you have stronger consumer protections than 95% of Medicare beneficiaries in … Read more
Indiana Medicare Guide Indiana Medicare Supplement birthday rule: what it means for Hoosiers in 2026 By Cindy Kowalski, Licensed Independent Medicare Advisor • Updated for 2026 • Part of our state-by-state Medicare Supplement guide The Indiana Medicare Supplement birthday rule is new as of January 1, 2026 — and most Hoosiers with a Medigap plan … Read more
Florida Medicare Guide Florida Medicare Supplement birthday rule: what actually applies (and what doesn’t) By Cindy Kowalski, Licensed Independent Medicare Advisor • Updated for 2026 The Florida Medicare Supplement birthday rule is something people search for constantly — and the honest answer, which most insurance companies won’t tell you plainly, is that Florida doesn’t have … Read more
Medicare Plan Selection · February 2026 · 8 min read The Hidden Cost of a Free Medicare Advantage Plan — One Woman’s $150,000 Mistake Linda chose a zero dollar Medicare Advantage plan when she was healthy. Three years later, a kidney failure diagnosis revealed what that free plan would actually cost her over the next … Read more