While Medigap policies can provide more comprehensive coverage than Medicare Advantage, some people may have complaints about them. Medigap policies are private insurance policies that supplement Original Medicare (Parts A and B) by covering costs that Original Medicare does not cover, such as co-payments, deductibles, and coinsurance.
Here are a few common complaints we have heard about Medigap:
Complaint 1: High Monthly Premium Cost
Medigap policies can be more expensive than Medicare Advantage plans, which may be a concern for some people on a fixed income. See how much Medigap would cost you.
Complaint 2: No prescription drug coverage
Medigap policies do not include prescription drug coverage, and you will have to join a separate stand-alone Part D plan. Learn more about Part D.
Complaint 3: Limited coverage for certain services
Medigap policies only cover what Original Medicare does not cover, so, except for foreign travel emergency, if Original Medicare does not cover a certain service, Medigap won’t either.
Complaint 4: Limited enrollment period
There is a limited time period when you can enroll in a Medigap policy without being subject to medical underwriting. Learn about initial enrollment.
Complaint 5: No annual switching period
Unlike Medicare Advantage, Medigap in most states does not have a set time to switch without Medicare Review. Learn more about switching Medigap.
Complaint 6: No additional benefits
Medigap policies only supplement Original Medicare, they rarely offer additional benefits such as dental, hearing and vision. There are a few innovative Medigap plans available in a few states that cover these extra benefits.
While the complaints above are legitimate, the good news is they may not be “deal killers.” Medigap clients don’t usually complain about access to doctors, large unpaid medical bills or doctor referral bureaucracies because Medigap plans address those issues with flying colors.
If, after reviewing this list of complaints about Medigap, you still want to purchase a plan, call us at 800-930-7956 or get an instant Medigap quote. Senior65.com reminds you to evaluate your own healthcare needs and preferences when choosing between Medigap. Our licensed professional agent can help you compare costs and benefits of both options and make an informed decision for no additional cost.