Understanding the Basics of Medigap Coverage

Unravel the complexities of Medigap coverage with comprehensive guides. Learn the essential basics, such as eligibility, benefits, enrollment, and cost considerations. Equip yourself with the knowledge you need to make informed decisions and ensure adequate health insurance coverage in your retirement years.

Medicare Supplement Insurance, commonly known as Medigap, is an essential tool for anyone seeking to bridge the coverage gaps left by Original Medicare. Several insurance companies offer these policies, each with its own set of unique features, benefits, and costs. This article will delve into the specifics of four different brands offering Medigap coverage: Blue Cross Blue Shield (BCBS), Mutual of Omaha, Mutual Medicare, Arizona Medicare Specialists, and United Medicare Advisors.


Blue Cross Blue Shield, a federation of 34 insurance companies, is one of the leading providers of Medigap policies in the United States. BCBS offers Medigap insurance in all 50 states and Washington, D.C., ensuring a wide reach. However, the costs and services offered by BCBS can vary significantly depending on the region and the affiliate. The average cost of their popular plans F and G are around $192 and $145 per month, respectively. Despite this variation, BCBS has a reputation for delivering above-average service at average prices, making it a reliable choice for Medigap insurance.

Mutual of Omaha

Mutual of Omaha Insurance Company distinguishes itself through its commitment to customer service. The company's Medigap policies offer immediate coverage with no waiting period for pre-existing conditions. There are no provider networks, which means policyholders can choose their own doctors and hospitals. With Mutual of Omaha, out-of-pocket costs are generally low, and claims are paid quickly. The cost of these policies varies, but Mutual of Omaha is known for its competitive pricing.

Mutual Medicare

Mutual Medicare offers comprehensive Medigap insurance designed to protect policyholders' finances and provide peace of mind. The plans offer standardized coverage, ensuring clarity when comparing options. One of the standout features of Mutual Medicare is its guarantee of renewable coverage, ensuring continuous coverage regardless of changes in health conditions. These plans also cover emergency medical expenses during foreign travel, making them a suitable option for those who enjoy traveling. The cost of these plans varies.

Arizona Medicare Specialists

Arizona Medicare Specialists, a local company with over a decade of experience, offers personalized customer service and expert education on Medigap plans. These specialists can guide you to a plan that meets your needs and budget. They emphasize the importance of working with a local, independent agent rather than a call center or direct provider. Arizona Medicare Specialists offer a range of plans, with costs that vary depending on individual needs.

United Medicare Advisors

United Medicare Advisors offer Medicare Supplement plans designed to work alongside Original Medicare and fill coverage gaps. One of the primary advantages of these plans is their flexibility. Policyholders can enroll in or change their Medigap policy at any time throughout the year. Additionally, these policies are guaranteed renewable, offering protection year after year, irrespective of any health condition that may develop. The cost of these plans varies depending on individual needs.

Choosing a Medigap policy is a crucial decision that requires careful consideration of several factors, including coverage, benefits, costs, and the reputation of the insurance provider. Brands such as BCBS, Mutual of Omaha, Mutual Medicare, Arizona Medicare Specialists, and United Medicare Advisors offer a range of Medigap policies designed to meet the varying needs of policyholders. To make an informed decision, it is advisable to consult with licensed Medicare insurance agents who can guide you through the process and help you find the best plan that suits your healthcare needs and budget.