MyMed360

Learn About Medicare Supplement Plans

Plain-language guides to help you understand your options and make the right decision. Start at the top and work your way down — or jump to what you need.

1

Understanding the Gaps

Start here. Medicare covers a lot — but the gaps can cost thousands.

Start Here

What Medicare Doesn't Cover

The 80/20 rule, no out-of-pocket cap, and real cost examples that show why supplemental coverage matters.

Risk

The Cost of Going Without Medigap

What happens if you skip supplemental coverage — the gamble, the underwriting trap, and the self-insure math.

2

Choosing Your Path

Two fundamentally different approaches to filling the gaps. Here's how to decide.

Comparison

Medigap vs. Medicare Advantage

Side-by-side comparison, decision framework, and the switching warning most people learn too late.

3

Picking a Plan

10 plan letters, but you only need to consider 3. Four questions get you to the right answer.

Decision Guide

How to Choose a Medigap Plan

A step-by-step decision tree. Plan G vs. Plan N, when Plan F makes sense, and which plans you can skip.

Personalize

Your Health, Your Plan

Condition-specific guidance — diabetes, heart disease, cancer, healthy/active, joint replacement.

4

Comparing Carriers

Same plan letter, wildly different long-term costs. How to find a carrier that won't surprise you.

Value

How to Compare Medigap Carriers

The four factors that determine long-term value: price, financial strength, rate stability, and market presence.

Pricing

Understanding Rating Methods

Attained-age, issue-age, and community-rated — three pricing methods, three very different cost trajectories.

Stability

Understanding Rate Increases

Why premiums go up, what's normal, red flags to watch for, and when to consider switching carriers.

5

Enrollment & Process

Timing matters. Your enrollment windows and step-by-step guides.

Getting Started

Turning 65? Start Here

A complete guide to Medicare Supplement plans, enrollment deadlines, and choosing the right plan.

Enrollment

Medicare Enrollment Periods Explained

Open Enrollment, Initial Enrollment, Special Enrollment, General Enrollment — what they are and when they apply.

FAQ

Frequently Asked Questions

Answers to the most common questions about Medicare Supplement plans, costs, enrollment, and switching.