Tailored insurance for your life and health.

Premiums depend on your age, gender, health status, occupation, lifestyle habits (e.g., smoking), and the coverage amount.

Guaranteed issue rights allow you to buy certain Medigap plans without health questions if you meet specific events (like leaving a Medicare Advantage plan under a trial right).

• Bronze – lowest monthly premium, highest out-of-pocket costs
• Silver – moderate premium and cost-sharing (qualifies for most subsidies)
• Gold – higher premium, lower out-of-pocket
• Platinum – highest premium, lowest out-of-pocket

Coverage quality is the same across tiers—only the cost-sharing structure changes.

You can enroll during your Initial Enrollment Period (IEP) when you first qualify for Medicare Coverage, the Annual Enrollment Period (Oct 15–Dec 7), or with a qualifying Special Enrollment Period (SEP).

Pros include flexible premiums, adjustable death benefits, access to cash value, and potential tax-advantaged growth.

Cons include policy complexity, risk of lapse, non-guaranteed returns, potential for high fees, and responsibility to actively manage policy .

Though often cheaper, coverage is limited—and may include caps on care, exclusions, and high out-of-pocket costs.

Some UL policies include accelerated death benefit riders, allowing you to access part of the death benefit for critical illness or long-term care expenses.

All Marketplace plans must include 10 Essential Health Benefits: hospitalization, preventive services, mental health, prescription drugs, maternity care, lab services, pediatric care (including oral and vision for kids), rehabilitation, ambulatory care, and emergency services.

At minimum: travel medical, medical evacuation/repatriation, trip cancellation/interruption, trip delay, and baggage. Confirm the policy covers your destinations, trip length, and planned activities.

Common coverages include medical expenses, emergency room visits, ambulance rides, fractures, dislocations, burns, accidental death, and dismemberment (AD&D)

Coverage varies by plan but often includes: Part A/B coinsurance, hospital deductible, blood transfusions, skilled nursing coinsurance, foreign travel emergencies—some even cover Part B excess charges.

These plans usually cover both direct medical expenses (e.g., chemotherapy, radiation, surgeries) and indirect costs (e.g., deductibles, travel, childcare, lost income).

If cash value can’t cover the cost of insurance, premiums remain unpaid—your policy may lapse unless you add funds or reduce benefits.

If you leave Advantage within 12 months, you have a “trial right” to buy Medigap without underwriting. After that, you’ll need to reapply and potentially qualify medically.

If you have a traditional policy, benefits are only paid if you use care. However, hybrid policies often include a death benefit or cash value, so your premiums won’t be lost. This makes them a popular option for those concerned about “use-it-or-lose-it” scenarios.