Learn about federal and state Medigap rules
Six plain-English guides covering the federal 6-month OEP, the federally-frozen plan-letter system, state protections beyond the federal floor, and the federal qualifying-event windows that can re-open Medigap after your OEP closes. Every guide cites primary sources (medicare.gov, cms.gov, 42 U.S.C. § 1395ss, state DOIs).
Federal Medigap OEP rules
How the federal 6-month Medigap Open Enrollment Period works under 42 U.S.C. § 1395ss. Anchor month, guaranteed-issue rights, pre-existing condition look-back.
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Plan-letter comparison
What each of the 10 federal Medigap plan letters covers. Plans C and F MACRA-2020 grandfathering. Plan G vs Plan N tradeoffs.
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Federal vs state protections
The federal 6-month OEP floor + the 8 states that protect beyond it (continuous-GI, birthday-rule, structural-exception).
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I missed my Medigap window — federal qualifying events
Loss of group coverage, MA trial-right disenrollment, MA plan termination, Medicaid transitions, insurer bankruptcy. 63-day windows.
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Losing group employer coverage
When your employer or spouse's employer Medicare coverage ends, federal law re-opens a guaranteed-issue Medigap window. Timing and timing.
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SHIP counselor vs Medicare broker
Free federally-funded benefits counseling (SHIP) vs commissioned Medicare broker. When to use each. Both are legitimate paths.
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