Frequently Asked Questions About Medicare Supplement Plans

Use these questions to prepare for a Medicare Supplement discussion. The right next step depends on your existing coverage and enrollment rights.

Is Medigap the same as Medicare Advantage?

No. Medigap works with Original Medicare to help pay certain costs. Medicare Advantage is a different way to receive Medicare benefits through a private plan.

Does Medigap cover my prescriptions?

Policies sold after 2005 do not include prescription drug coverage. Ask separately how Part D fits with your current coverage.

Can I change my Medigap policy?

You can ask to apply for another policy, but acceptance and pricing are not guaranteed in every situation. First check open enrollment, guaranteed-issue protections and any underwriting requirements.

Is fall Medicare Open Enrollment my Medigap enrollment period?

The Medicare health and drug plan enrollment calendar is different from the one-time six-month Medigap Open Enrollment Period. Confirm which rights apply before relying on a deadline.

Should I cancel my current policy first?

Have replacement coverage, costs and the effective date confirmed before canceling current coverage. Ask how any trial or free-look rights apply.

Talk through your next step

Call our agency: (800) 310-2743 · Medicare plan review options

For a first conversation, tell us your question and any deadline. Keep Medicare numbers, prescription lists and medical records out of general contact forms. Licensed agents follow up weekdays, 11am–5pm Eastern, excluding federal holidays.

Official information

• Medigap basics
• Covered and excluded benefits
• Buying or changing a policy
• Medigap enrollment timing

Information reviewed October 15, 2026. General information only; eligibility, enrollment rights and plan terms must be confirmed for your situation. A request does not enroll you or change coverage. Direct Insurance Network, LLC is not affiliated with or endorsed by the U.S. government or the federal Medicare program.