When is enrolling in Plan G straightforward?
If you have recently moved outside your MA plan’s service area, you may have a Guaranteed Issue Right. This means you can enroll in a Medicare Supplement Plan without needing to pass medical underwriting, as long as you apply within the specified time frame—typically within 60 days of losing your prior coverage.
Should you use an agent?
Advantages of using an agent
Simplifying the process
Agents have experience handling various plans and can guide you toward the best options.
Avoiding mistakes
If you’re unsure about enrollment requirements or rules, an agent can help you complete the process correctly.
Access to multiple plans
Agents can show you multiple options from different insurance companies.
Potential drawbacks
Agents favoring MA plans
In some cases, an agent might try to steer you toward a Medicare Advantage plan instead of a supplement like Plan G, since certain agents earn higher commissions from MA plans. For this reason, it’s important to work with a trustworthy and unbiased agent or to enroll directly through the company offering the supplement plan.
How can you enroll on your own without an agent?
Researching available options
Research companies offering Plan G in your new state (e.g., South Carolina).
Contacting the insurance company
Contact the insurance company that provides the plan and request an enrollment form.
Ensuring you meet guaranteed issue rights
Make sure you’re within the guaranteed issue period to avoid medical underwriting.
Submitting the application
Submit your application online or by phone with the selected insurance company.
Conclusion: Do you need an agent?
Weighing the benefits
If you prefer a simplified process and professional guidance, using an agent might be a good choice.
Choosing professional guidance
An agent can help you streamline the process and ensure you have the right plan for your needs.
Taking the independent route
However, if you have the time and willingness to research and enroll on your own, you can do so easily without any agents.
Ensuring timely application
The key is to make sure you apply during the guaranteed issue period to avoid coverage or underwriting issues.
