AARP- 10 Things You Need To Know About Choosing A Medigap Plan

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  AARP.org 10/11/2023 - 10 Things You Need To Know About Choosing A Medigap Plan

Some of the 10 from the link ~

 7. Some States Set Their Own Enrollment Rules

Connecticut and New York let Medicare beneficiaries buy a Medigap plan at any time without being denied. Other states (including California, Idaho, Illinois, Louisiana, Maryland, Missouri, Nevada, Oregon and Washington) let you switch plans at designated times.

Premiums will be higher for states that are more liberal with their Enrollment rules - You pay for the added risk.

8. Different plans have very different prices

For example, a 65-year-old nonsmoking man in Fort Myers, Florida, could pay $64 a month for a Plan K policy or $263 for Plan D. A 65-year-old nonsmoking woman in Wichita, Kansas, might pay $32 a month for a high-deductible Plan G policy versus $455 for a regular Plan G.

And by picking up more of the risk - you get a lower premium as the high-deductible plans show.  High deductible Medigap Plan G and F are available.