Did Your Medigap Premium Just Jump?
Here's what most people don't realize: every Medigap plan is standardized by the federal government. Plan G from one company covers the exact same things as Plan G from any other company. If your rate went up, you can shop for the same coverage at a lower price.
Medigap Rate Increases Are Built Into the System
Medigap premiums go up. It's built into how these plans work. Some carriers raise rates 8 to 15 percent a year, sometimes more. The longer you've been on the same plan, the more likely you've quietly drifted into paying well above market.
Most folks find out the hard way. A renewal letter shows up, the new number is bigger than expected, and the assumption is that all carriers must be raising rates the same amount. They're not.
Medigap Plans Are Standardized by the Federal Government
The federal government standardizes Medigap plans. That means the benefits are identical across every carrier. If you have Plan G with Company A and you switch to Plan G with Company B, your coverage doesn't change. Same deductibles. Same coinsurance. Same out-of-pocket protection. Same doctors (Medigap has no network, you can keep seeing anyone who accepts Medicare).
The only real differences between carriers are price, financial stability, and customer service. So when one company raises your rate, another company may be sitting at a much better price for the exact same plan.
What It Actually Takes to Switch in North Carolina
Honest answer: in NC, switching Medigap plans outside of your initial enrollment window usually involves medical underwriting. That means the new carrier asks health questions and decides whether to accept you.
Good news: most people qualify, including folks managing common conditions like high blood pressure, controlled diabetes, or a past procedure. We help you figure out which carriers are most likely to approve you before you ever fill out a real application.
If you don't qualify, you stay where you are. No harm done. No cost to find out.
Most People Qualify
Common conditions like high blood pressure and controlled diabetes usually don't prevent you from switching.
We Pre-Screen for You
We check which carriers are likely to approve you before you fill out any real application.
No Risk to Find Out
If you don't qualify, you keep what you have. No penalty, no cost, no obligation.
You Don't Have to Wait for a Special Enrollment Window
Most folks assume Medicare changes can only happen during fall open enrollment. That's true for Medicare Advantage and Part D plans. It's not true for Medigap.
You can switch Medigap carriers any time of year. There's no enrollment window, no waiting period, no need to time it around October through December. If you find a better rate in March, you can switch in March. If your renewal hits in July and you want to compare, July works.
The only thing that matters is whether the new carrier accepts your application. That's based on health questions, not the calendar.
Switch Any Month
Medigap is not tied to Medicare's Annual Enrollment Period. You can compare and switch year-round.
No Waiting Period
Once approved by a new carrier, your new policy can start as soon as the next month.
Why Work With Us
Local & Independent
We're a local agency in the Sandhills. We're independent, which means we represent multiple Medigap carriers and we get paid the same regardless of which one you choose.
We Do the Work
We do the comparison, we run the numbers, and we walk you through the options. If switching makes sense, we handle the paperwork.
Honest Advice
Our recommendation is based on what fits you, not what pays us more. If staying with your current carrier is the right move, we tell you that too.
How This Works
Three steps. No pressure. No obligation.
Tell Us What You Have
Your current plan letter, carrier, and premium. Takes about 30 seconds.
We Shop the Market
We compare your current rate against every carrier we work with for the same plan letter.
You See the Numbers
No pressure. If we can save you money, we lay out the options. If we can't, we'll be straight with you.
See What You Could Be Paying
Licensed NC Insurance Agency
Fully licensed and operating in the state of North Carolina.
Independent (Multiple Carriers)
We represent multiple Medigap carriers and recommend based on your needs.
Local Office in Aberdeen
Proudly rooted in the Sandhills, serving all of North Carolina.
Same-Day Callbacks
During business hours, we aim to return every call the same day.
Medigap Rate Increase FAQ
Answers to the questions we hear most often about switching Medigap plans.
No. Medigap plans don't have networks. Any doctor who accepts Original Medicare accepts every Medigap plan from every carrier. Your doctors don't change when you change Medigap companies.
Age alone doesn't disqualify you. Carriers look at health, not just age. We've helped people in their 80s switch and save.
It depends on your plan, your carrier, and how long you've been with them. We've seen savings range from a few hundred to over a thousand dollars a year on the same exact coverage.
You keep what you have. There's no penalty for asking, and no obligation. We'd rather tell you "stay where you are" than push you into something that won't work.
No. We get paid by the insurance carrier, not by you. The comparison is free whether you switch or not.