Know The Truth About Medicare Advantage Plans

Medicare Advantage plans for 2021Medicare Advantage plans have had a bad reputation in recent years. A major site that sells Medigap plans virtually opposes Advantage plans (such as HMO and PPO). The site owner goes on to say that Medicare beneficiaries are always better off with Original Medicare (Part A and Part B) than with a Medicare Advantage Plan. Some people are so expressive in opposition to these plans because many unscrupulous agents sold Medicare Advantage plans without really considering what was best for the Medicare beneficiary. There are many stories that the “grandmother” was moved to a new plan that did not include her doctor or medication.

Why Enroll in Medicare Part C?

Medicare Part C is available for those who prefer to purchase a private company insurance policy and still obtain identical benefits similar to that of original Medicare. Advantage plans may also provide benefits that Original Medicare does not offer, such as coverage for hearing, vision, wellness programs, and dentistry. Rather than pay for each of these services one after the other, they can be added to your plan. Even though you are not enrolled automatically in Part D of Medicare, this is usually part of these Advantage Plans to ensure you have the prescription drug coverage you need. Many, but not all, Medicare Advantage policies also include prescription drug coverage or Part D. Medicare Advantage Policies may have a very low or nonexistent premium for policyholders beyond the normal Part B premium. Some plans even reimburse Part B premium. In addition, Medicare Advantage Plans cannot make a large selection of health risk, so they can be a good fit for less healthy candidates. Obtain Medicare Advantage plans for 2021.

The new Plan N has benefits similar to Plan D, except that there is a $20 copayment for medical appointments and a $50 copayment for emergency consultations. These copayments apply after the $155 deductible has been paid. The new Plan M also offers benefits similar to Plan D, however will only cover one-half of the deductible of Part A and none of the deductible for Part B. about 70% of the cost of plan F & the cost of plan M is about 85% of cost of F. In general, the number of Medigap plans has been reduced from 12 to 10 plans. While Medigap is a supplement offered by private insurance companies to fill the original Medicare Parts A and B gaps, Medicare Advantage is offered by a private company with government contracts to implement its Medicare benefits. You must still maintain Parts A and B and continue to pay the Part B premium when choosing a Medicare Benefit Plan.

Select your own provider for Medicare Supplement Plans

Medicare supplement plans  2020What many people appreciate about supplemental Medicare supplement plans 2020 insurance is that it allows them to choose the provider of their choice. A lot of individuals have had great experiences with insurance companies like Humana. The Medicare supplement program allows seniors to keep getting health care services from Humana. For those who find this interesting, they will need to have a look at Humana Medicare supplement policies. The amazing thing about the Medicare supplement plans 2020 service is how easy they make it for senior to subscribe to insurance. As a matter of fact, all you have to do is get online and take three simple steps by entering your location, comparing the available plans, and then signing up for the plan that works for you.

Plans K through L have lower premiums and higher out-of-pocket expenses. Basic benefits include Medicare Part A hospital benefits, Medical Part A and B co-insurance or co-pay, blood, and hospice care. Extra benefits include Skilled Nursing Facility co-insurance and Medicare Part A deductibles. When selecting a Medigap plan, carefully compare each plan and compare different insurer quotes. Make sure you have adequate coverage that meets your needs, but you don’t want to pay more as the benefits of each plan are the same for every insurance company.The way it is currently, in addition to policies A, B, C, & D, there are 7 extra Medicare Supplement policies to select from by visiting The benefits of each plan differs in some ways with the exception that the basic insurance coverage is expected of every one of them. In 1990, Medicare standardized their different plans in order to decrease the amount of confusion that consumers were experiencing as they compared different coverages offered by the different healthcare insurance providers.

.It is not uncommon for people to ask about the difference between a Medicare supplemental plan and a Medigap policy. These two terms can be used interchangeably, as they refer to the exact same thing. Supplemental plans help pay for the “gaps” in the original Medicare coverage, hence the term. The gaps refer to the expenses that you are responsible for, such as deductibles and coinsurance. These plans also cover some of the expenses that were never addressed by Medicare Parts A and B. As a senior citizen who is enrolled in the original program, you are helped by a Medigap policy in two primary ways. The first is that the right plan will help you lower your out of pocket expenses by covering many of the “incidental’ costs that are part of a comprehensive health care plan.

Humana Health Insurance

Humana Health Insurance


Health insurance is a significant investment that you need to make per year. For that reason, you must study your options first before you purchase a plan. You must analyze the insurer’s financial strength and its complaint records. When you choose Humana health insurance, however, you are choosing a well-established company. It has an excellent reputation with decades of experience in the health insurance industry so visit


Why Buy Humana Health Insurance

Humana customers purchase health insurance because they saw a TV commercial about its health plan. Some customers stated that they buy a health plan from this insurer because of its excellent reputation or that their friend or family member suggested it.


The majority of its customers purchase Humana health plans because of their low premiums. Furthermore, their health providers belong to the company’s network. Other customers said that the low deductibles and breadth of services are reasons they bought a plan from this company.


Where to Buy Humana Health Insurance

Humana health plans are available in all 50 states. They are also accessible in the District of Columbia and Puerto Rico. Besides individual health plan, you can also purchase here Medicare plans and some group health plans for businesses.


How the Company Began

The company did not begin in the health insurance industry. Instead, it started as a nursing home business in 1961. It only became Humana in 1974. The transition to the health insurance industry did not stop the company from pushing its interest in healthcare research and hospitals.


Many other huge companies wanted to acquire Humana. One of them was United Healthcare. But the acquisition failed in 1998.


The company administers the TRICARE health insurance policy for the US military. It is also the health insurance for the Champions and PGA golf tours.


Customer Satisfaction Rating

Humana received an A- rating from the AM Best insurance rating organization. But it was not the only award that it received. It is a recipient of the Dorland Health Award for its exceptional services in the Medicare Advantage.


The Health Insurance Options from Humana

You can buy a policy from the company via the local agents. When you obtain a Humana health care plan, you can fund a healthcare savings account. With this savings account, you can save money to pay for your medical deductible. It is useful especially when you are facing a medical crisis and you have to pay a large deductible.


This insurer also offers co-pay options via a preferred provider organization (PPO). It is a type of policy that pays 100%. However, you can only use it when you have paid your deductible for the year.


You can also add extensions to your current health plan. These would include dental and vision. You can also find beneficial pharmacy plans, especially if you take a lot of prescription drugs.


There are three major options that you can choose from through Humana’s health insurance policies:



Preferred Provider Organization (PPO) is a type of health insurance that offers flexibility. With this plan, you can utilize the out-of-network provider. However, it includes a higher fee. For that reason, PPO plan holders opt to use an in-network provider to lower their overall healthcare costs. You can save money significantly when you use the doctors, clinics, and hospitals within the PPO network.



Unlike PPOs, HMOs are quite limited. You can only use healthcare providers that belong to your plan’s network. If you need to use the out-of-network provider, any treatment received will not be covered.


Despite that, the company has a great network of options. Thus, it is not that difficult to stay in the network. Staying within the network will help lower your overall healthcare cost with an HMO plan.


Although out-of-network treatment is not covered, your plan may still partly cover it if it is deemed an emergency.


Traditional Indemnity

This plan allows you to choose a healthcare facility of the doctor that you want. It is more expensive than PPO and HMO, though. However, if you want flexibility, then this plan can be useful.


Employer Health Plans

health insurance plansHumana’s high-deductible plans are ideal for employers. They can assist in reducing the health insurance costs of employees. Their workers can benefit from it when they opt for the Healthcare Savings Account (HSA).


This plan lets you save money and put it on the HSA. You may use the money to stay within your budget. You can choose for its Coverage First basic health plan. The Point of Service plan allows you to use either in-network or out-of-network providers.



If you are a Medicare subscriber, you can opt for supplemental plans. They include prescription medicines and Medicare Advantage policies. The company also partnered with Walmart pharmacies to offer its customers a preferred prescription drug plan (PDP).


This type of plan is ideal for elderly patients. In that way, purchasing their prescription medicines will lower their overall prescription drug costs.



Your health plan may not pay for your routine vision care. Thus, you can opt to obtain a vision insurance plan. It helps in saving money because you can use it to reduce out-of-pocket expenses related to your eye care procedure or treatment. You can also opt for discounts on your vision expenses, like glasses. This plan may also give you a discounted price for your LASIK procedure.


A vision plan must only be used as a supplemental plan for your major health plan. Pairing it with a medical health plan will offset the overall costs of your routine checkups. It also lowers the vision correction wear cost.


When you obtain vision insurance from Humana, you will have coverage for an annual routine eye examination, eyeglass frames, and eye care for your health problems.



A dental plan form Humana may cover basic dental care, as well as preventive dental care. However, the benefits will depend on your plan. It provides dental plans that can meet your dental needs. The policies may cover dental cleanings and routine checkups, like oral examinations, cleanings, fillings, and x-rays.

Understand Medicare Annual Enrollment Period

Understand Medicare Annual Enrollment Period

What is needed for people with Medicare insurance to make sure they obtain the best possible value and to compare different plans before switching during AEP 2014 or the Annual Enrollment Period. There are four parts to Medicare insurance plans that include parts A, B, C / Medicare Advantage, and D. AEP does not apply to those who already have Medicare supplemental insurance. However, they are not restricted during the AEP period, especially if they reward from the change.

If you currently have Medicare insurance, a Medicare Advantage (MA) plan, or Part D (prescription drugs) insurance, you have the opportunity to make the desired changes once a year during AEP consider getting a new one for the current year by clicking This period is known as the Medicare Annual Election Period or Open Enrollment Period. PEA begins on October 15 and ends in Pearl Harbor, 2013 (December 7). Any changes you choose will take effect on January 1, 2014.

AEP is beneficial to people insured by any Medicare insurance plan as it offers the opportunity to make the desired changes to your insurance every year if you wish. This means that you can make these changes as per your personal needs. Therefore, you should at least review these options before AEP each year to ensure that you have a plan that effectively meets those needs.

Certain questions should be asked when reviewing your current insurance prior to the Annual Enrollment Period. For example, have you been diagnosed with any kind of long-term medical condition or disease in the past year or have any of your prescription drugs changed in the past year? If the answer is “YES”, you should take a closer look at your current insurance and consider making changes that will reward during ESL when you have the opportunity to do so.

If you have a Medicare supplement plan, AEP is not for you. You have no restrictions at the time of year, you can revise your current plan and change plans if you wish. It is important to compare Medicare supplement plans with any Medicare Advantage plan so that you understand the difference. Contacting an independent Medicare insurance agent can help you understand everything.

Finally, you should also remember that Medicare plans change with considerable regularity as well as their costs. As an example, the price of your current plan may decrease or increase each year. Or, if you have a Plan D prescription drug plan, medications may be added or discontinued regularly. Finally, rewards may change frequently, while other Medicare plans may stop offering insurance based on your geographic location.

Improved medical care through supplemental Medicare plans

Improved medical care through supplemental Medicare plans

Supplemental Medicare plans help seniors pay for most of their health care expenses. People over 65 or with chronic illnesses can benefit from Medicare’s plans. These are divided into Part A, Part B, Part C and Part D. Part A, or hospital insurance, now covers hospital hospital services, palliative care, home care, and post-hospital care. Medicare Part B offers medical fees, clinical laboratory services, and outpatient hospital care. Parts A & B are the original Medicare policies. Most of the bills of primary medical care are insured by Parts A & B. Meanwhile, these policies do not secure payments and deductibles. Part D of Medicare includes generic drugs and brand names.

Benefits of Medicare Plans

Documenting Medicare plans is relatively easy compared to other types of health insurance. In addition, the price value is low. Prize rates may vary according to age, ZIP code, etc. Your present health situation also influences the premium amount. All Medicare plans are managed by the Centers for Medicare and Medicaid. Medicare is largely different from primary health insurance. When you sign up for Medicare plan, you can save lots of money in the future.

What are Medicare Advantage Plans?

Medicare Advantage plans are classified

  • Managed health plans.
  • Special Medicare Assistance Plans
  • Private rate for service packages.

The conditions for all these guidelines are different. Many insurance companies are available in the market by offering a Medicare plan and a final cost insurance at an affordable cost. Medicare plans are funded partially by the government, so they can be gotten at a low cost.

Benefits of choosing a Medicare benefit policy

Part C or Medicare Advantage policies synergize the strengths of Medicare Part A, Part B, and Part D plans. Medicare offers benefits plans through managed care plans and insurance contracts. In some Advantage plans, only doctors can see themselves on the network of providers. These policies offer better quality of medical care. These schemes guarantee additional costs, such as

  • dental services
  • Preventive health expenses
  • Cost of visual assistance to the team.
  • health classification
  • laboratory test

These plans also provide insurance for prescription drugs. The Medicare Supplement plan insures bills that are not included in Medicare. The additional public health policy is present in diverse categories, labeled with letters from A down to L.Then how to choose an appropriate health insurance plan.To get complete insurance for your health care costs, you must select the most appropriate Medicare plans. You should compare the Medicare Advantage and Medicare Supplement plans and now select the best Medicare Advantage plans to meet your health care needs. To obtain the best rewards from Medicare supplement plans, you have to choose very wisely. Prior to choosing a plan, you need to examine your medical care and your current health insurance. If you have a separate drug plan, you do not have to choose the Medicare Part D plan. If you overestimate the amount, the total cost will increase. You should go for a plan that meets your budget, expectations, and lifestyle.

Basic Introduction to Medicare Pt 3

Basic Introduction to Medicare Pt 3

If a person can prove his or her case, it may revoke any decision to refuse eligibility for Medicare or coverage or impose an additional fine. Complaints are tackled by the social security office at the local level. Hence, it is imperative if you think that you are denied Medicare coverage unfairly and that you maintain on exposing the right to object. The registry is usually administered by the Social Security Administration through its local offices. The retirement beneficiary of the railway agencies should contact the railroad board to register.Online registration: As of 2010, you can also register online at In the middle of the page, just select the link “Retirement / Medicare”. The application process may require less than 10 minutes.

Work majors:

When the Medicare program was created in 1965, most people retired at age 65 and began to automatically participate in the program at that age. Meanwhile, when people started working after age 65 and Medicare tried to keep costs down, Medicare’s coverage and enrollment policy has changed.In the early 1980s, various laws were passed to make Medicare services dependent on benefits due under the Employer’s employer protection plan to workers and their spouses who are 65 years of age or older. In addition, employers are prohibited from offering Medicare eligible employees and their spouses a different health plan from other employees. Employers with fewer than 20 employees are exempt from these new laws, but may volunteer.These changes led to the creation of a new “special enrollment phase” for older workers. Adults over 65, who are covered by the EGHP because of their activities or spouse participation, are free to enroll in Medicare at age 65 without increasing the premium.


Because EGHP is the primary payer, most workers can not choose to pay for Medicare insurance, which can be doubled. Any rejection of registration during the “special enrollment period” may result in surcharges and the person can not register before the next general registration period.


Initially, the SEP began on the first day of the first month, when the team ceased to have EGHP coverage and ended seven months later. However, as of March 1, 1995, people with EGHP can register for Medicare while still in EGHP. In addition, the time within which enrollment may occur after the end of EGHP coverage has increased from 7 to 8 months.


Under the new guidelines, a person can sign Medicare while insured by an EGHP and decide to start insurance this month or for one of the next 3 months.


Mr. Daniel was 65 in 2007, but continued to work and was assisted by EGHP. In April 2009, she applied for monthly Social Security and Medicare benefits because she wanted to retire on June 30, 2009. She is eligible to start receiving Medicare in April 2009 or in the next 3 months. He decided to start reporting in July 2009 while currently working under his EGHP.

Appointment with a Doctor: Take full Advantage of it

Appointment with a Doctor: Take full Advantage of it

An honest and open communication is very important when visiting the doctor. Doctors rely on full disclosure to make a correct diagnosis or prescribe the best treatment for each individual. Make sure you take any supplement or medications you are taking, in addition to the size and frequency of dosing. Write down this information because it is very easy to miss an important detail when trying to talk with your doctor during any of the many doctor visits. The doctor can answer very personal questions (for example, ask for information about the activity or sexual performance). Remember that your doctor is trying to determine the cause of your symptoms and that the concealment of information can only inhibit this process. Do not hesitate to inform your doctor if you do not understand what you are asking for. If necessary, seek clarification and consult other health professionals, as appropriate (nurses and medical assistants, for example). Remember that false information will not only stop the diagnosis, but it can also result in a misdiagnosis and significantly reduce the effectiveness of the treatment cycle.

Gathering information about your medical history will help speed up the process. Patients can request a copy that will be sent to the doctor before the consultation. Patients need to take this opportunity to review their family medical history, as the hereditary dominance of some traits can hugely increase the likelihood of certain diseases (e.g. heart disease, diabetes, cancer, etc.). When it comes to providing information to your doctor, it is important to ask the right questions and make sure that your family knows the reasons for your medical history or tends to provide false information. Be sure to confirm if you want to share this information with your doctor. In addition to these investigations, it also helps to prepare the questions you have for your doctor in a downward manner. Make sure you have asked the most important and really important questions first. Talk to your doctor if you have recent health problems, such as extreme pain or shortness of breath. While your doctor is evaluating this information and reporting your medical history, you can start asking more specific questions about possible treatment options.

If you have questions about billing or the health plan, contact a patient assistance group. Patient advocates specialize in the treatment of health problems, which are generally beyond the reach of health professionals. The availability of an individual’s physician in the health policy network is one of the most important factors in choosing a Medical Insurance companies 2020 Advantage policy. This is especially important for those who enter the Medical Insurance companies 2020 population for the first time. Discover these policies at and of your doctor – and your hospital -. Provider networks can vary considerably from floor to floor, so do not be surprised. The annual deposit period for Medical Insurance companies 2020 participants is now active (and ends on December 7). Men who are aging in Medical Insurance companies 2020 should learn to accept this new phase of their life with satisfaction and make well-informed and informed decisions about their health needs.

Cheap Health Insurance 2020 and At-Home Care

Cheap Health Insurance 2020 and At-Home Care

According to the website of Cheap Health Insurance 2020, “Cheap Health Insurance 2020 only guarantees health insurance at home, as directed by your doctor.” As discussed above, Parts A & B are Cheap Health Insurance 2020 alternatives that insure home care services designated by Cheap Health Insurance 2020.

Cheap Health Insurance 2020 home health insurance in New Mexico requires that the following criteria be met:

– You are currently receiving a continuous service from a doctor. This doctor must also have a personal assistance policy, which is evaluated regularly.

– The doctor must show that he needs specific medical services, such as occupational therapy, need for intravenous pharmacotherapy, physiotherapy, respiratory physiotherapy or language pathology.

– Customer service must be certified by Cheap Health Insurance 2020.

– The doctor must certify the state of his health in his country of origin, as indicated below:

* Your health prevents you from leaving the house.

* You cannot travel without the assistance of your home (for example, transportation assistance, such as help or people).

* Leaving home requires considerable effort and can affect your health.

  1. Does my family doctor not accept Cheap Health Insurance 2020, why?

The Cheap Health Insurance 2020 approval process is boring and expensive, so although it may seem that many companies cannot get used to Cheap Health Insurance 2020, they can actually go through the Cheap Health Insurance 2020 certification process. In addition, Cheap Health Insurance 2020 criteria for individual home care qualification can be quite rigorous. The fact is that most people who apply for Cheap Health Insurance 2020 insurance for their services approved by the Home Health Company will not really benefit from that insurance. Currently, Cheap Health Insurance 2020 only supports approximately half of the health costs of the elderly. Cheap Health Insurance 2020 often refuses to pay as the criteria are often not met. Therefore, it is imperative to know if you met these criteria before limiting yourself to Cheap Health Insurance 2020-certified home care companies.

It is important not to become overburdened with the complexity of Cheap Health Insurance 2020, since much information is available on the Internet. The same goes for the insurance offers you see on the Internet: see the name and number of companies they represent. You will find that some websites say and some do not. In fact, they are formulated to guide you to the policy you want to promote, rather than providing the full range of options available. These tools can help you get some information, but keep in mind that you will only get a brief summary of the policies that may be available. If you are a member of a group, it is worth investigating group insurance policies. However, be careful. Some organizations are genuine, while others are limited to disclosing their references to direct their activities to a specific organization. Legitimate organizations such as the American Mature Citizens Association (AMAC) and the American Retirees Association usually only offer products from one or some insurers. They may have good policies at a competitive price, but may not provide enough comparative information to make this decision. Continue your search. You can always shout if any of the policies offered to meet your needs.

Annual Cancellation and its Implication

Annual Cancellation and its Implication

Even after the open registration has ended, this does not mean that you have more time remaining. The yearly opt-out period is for persons who wish to close the Health Insurance Marketplace 2020 Advantage. The industry joke is that, on Valentine’s Day, beneficiaries can end their current plans. The purpose of the cancellation period is to allow beneficiaries to completely abandon Part C and / or D, the open registration allows beneficiaries to change the plan and the provider once a year. You can also cancel the registration in the open registry, but from January 1 to February 14 it gives you another opportunity to finish parts C and / or D. You can alternate between three scenarios: the first is for people with an advantage plan that includes a medication plan. Those people can choose to buy an autonomous Part D plan or simply continue with Original Health Insurance Marketplace 2020 (this is not recommended). The second scenario is for people who have private taxes for service plans (they do not contain prescription insurance).

Unfortunately, if you are, until next October, you will not be able to buy Part D, but you can still use Original Health Insurance Marketplace 2020. Suppose you only have a Part D plan. As in the previous scenario, you cannot change the operator or plan until the following year. However, if you wish, you can close Part D. At the end of the day, you can cancel the signing of Parts C & D and return to Health Insurance Marketplace 2020. You might wonder what happens after you have disconnected? Fortunately, you can keep Original Health Insurance Marketplace 2020 or make the right choice by purchasing a Health Insurance Marketplace 2020 supplement plan. Before canceling the subscription, make sure that you are eligible for a Health Insurance Marketplace 2020 supplement plan. You can talk to a Health Insurance Marketplace 2020 supplement to find out if you are qualified or not.

For those who have a Health Insurance Marketplace 2020 supplement and want to change the plan / provider, it is not necessary to wait for a “special” period! One of the reasons why Health Insurance Marketplace 2020 supplements are flexible. If you are dissatisfied with your plan / carrier and meet the requirements for a medical examination (no serious problem, claim or pending transaction), you can change your account every day of the year! There are no deadlines for this Medigap insurance. Many people are surprised when I tell them for the first time: “Well, you can register after December 7, there is no registration period for Medigap.”

Parts C & D are the only Health Insurance Marketplace 2020 supplements to limit restrictions. The recipients of these policies must stick to the open entry and exit restrictions. If you got wearied by the unexpected premium of Health Insurance Marketplace 2020 Advantage, start in January! Leave the part C the good and former “It is me, and not you” and go ahead! You must register in Health Insurance Marketplace 2020 Part A and possibly in Part B at the time of retirement, even if the employer offers a pension plan. Most plans assume that you are insured by Health Insurance Marketplace 2020 and that you are not paying for the benefits that Health Insurance Marketplace 2020 would have provided so visit for more information. Veterans can benefit from special medical programs. However, the benefits and eligibility are very restrictive and can be modified.

Medicare Advantage Plan: How to Obtain One Easily

Medicare Advantage Plan: How to Obtain One Easily

Medicare advantage coverage, also available here, is a health insurance plan created to cover existing “loopholes” in Medicare cover. The Medigap plans are sold by private insurance companies. This article explains some portions of a Medigap plan.Medicare is a health program for people over 65, or people with permanent disabilities who meet the criteria for those funded by the state, but are not free. The program has been the subject of heated debates, but now Americans simply do not have a better system to take care of our elders. Medicare can be a bit confusing for those who are not in the system. In addition, Medicare is not a free service, but works with a monthly premium and a co-payment or cost-sharing model.The main problem with Medicare seems to be that it has some loopholes that needs to be covered by another plan. This resulted in the need for Medigap insurance plans. Medigap plans that are sold by private companies are standardized, which means that the terms and plans for each type of Medigap plan are governed by the federal government. They include some resources that must be easily understood.Fourteen (14) different standard Medigap plans are labeled from A to N. All standard plans from one insurance company to another must be the same, with the only difference being the cost of the plan. It is highly recommended that you choose the plan or plan you wish to apply, reserve a time to compare premium rates to get the best deal.

A Medigap plan does not guarantee things like long-term care, vision, hearing aids, private care, dentistry or glasses.The rules for purchasing a Medigap plan are that you need Medicare Parts A and B and that the plan only guarantees one person. This implies that you and your partner must have separate plans if you choose Medigap insurance.You must purchase Medigap insurance within the open enrollment period. This period is 3 months before reaching 65 years and 3 months later. In the open enrollment period, no insurance company that sells Medigap insurance can refuse insurance protection, apply for insurance for health problems or allow you to wait for insurance to start, except in some pre-existing conditions.

The reason for applying for Medigap insurance within your open enrollment period is because if you opt for insurance at another time, the insurance company can use the medical risk assessment to decide if he guarantees everything and how much it will cost.During open enrollment, you cannot use the medical subscription and you can purchase any Medigap plan for the same price that is charged to people in perfect health.The rules and regulations of Medicare advantage insurance are modified every year. Before buying one, you must know the current laws that govern the Medigap plan. If after a certain period of time in Original Medicare (that is, Part A and B) you select a Medicare Advantage plan, you can cancel the Medigap plan, as it cannot be used to guarantee the cost of Medicare Advantage.