Community-rated: Premiums are the same regardless of age.Companies set their premium pricing in one of three ways: Policy prices for Medigap are set by the individual insurance companies selling them. Not every carrier offers all plans,” says Brandy Corujo, partner of Cornerstone Insurance Group in Seattle. “Medicare supplements vary in rate by carrier and plan choice. If you’re already enrolled in a Medigap plan, you may apply to buy or switch plans. Medigap policies cannot be canceled by the insurance company even if your health status changes as long as you pay your premiums. Your Medicare Supplement open enrollment period starts the first month you sign up for Medicare Part B insurance at age 65 or older, even if you delayed enrollment because you had group health coverage.
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