Sources & primary citations
We cite only primary federal sources, primary state insurance department sources, and federal-statute / federal-regulation text as authority for the claims on this site. We never cite Medicare-broker funnel sites (eHealth, MedicareFAQ, Boomer Benefits, NCOA, Healthline, Forbes, AARP-paid content) as primary. Last reviewed 2026-05-11.
Federal CMS / Medicare.gov
- Get Medigap Basics — https://www.medicare.gov/health-drug-plans/medigap/basics
- When can I buy a Medigap policy? — https://www.medicare.gov/health-drug-plans/medigap/ready-to-buy/when
- Compare Medigap Plan Benefits (CMS-frozen 10-letter matrix) — https://www.medicare.gov/health-drug-plans/medigap/basics/compare-plan-benefits
- Massachusetts state Medigap (structural exception) — https://www.medicare.gov/health-drug-plans/medigap/basics/compare-plan-benefits/massachusetts
- Minnesota state Medigap (structural exception) — https://www.medicare.gov/health-drug-plans/medigap/basics/compare-plan-benefits/minnesota
- Wisconsin state Medigap (structural exception) — https://www.medicare.gov/health-drug-plans/medigap/basics/compare-plan-benefits/wisconsin
- CMS Pub 02110 — Choosing a Medigap Policy — https://www.medicare.gov/Pubs/pdf/02110-medicare-medigap-guide.pdf
Federal statute & regulation
- 42 U.S.C. § 1395ss (Section 1882 of the Social Security Act — Medigap statute, incl. subsection (s) guaranteed-issue rights) — https://uscode.house.gov/view.xhtml?req=42USC1395ss&f=treesort&edition=prelim
- 42 CFR § 422.2260+ — CMS Medicare Communications and Marketing Guidelines (TPMO disclosure) — https://www.ecfr.gov/current/title-42/chapter-IV/subchapter-B/part-422/subpart-V
- Medicare Access and CHIP Reauthorization Act of 2015 (MACRA — Plan F/C grandfathering) — https://www.congress.gov/bill/114th-congress/house-bill/2
2026 plan-year dollar amounts (primary CMS / Federal Register sources)
- CMS Newsroom — 2026 Medicare Parts A & B Premiums and Deductibles (fact sheet) — https://www.cms.gov/newsroom/fact-sheets/2026-medicare-parts-b-premiums-deductibles
- Federal Register — Medicare Program; CY 2026 Inpatient Hospital Deductible and Hospital and Extended Care Services Coinsurance Amounts (90 FR; doc 2025-20249, Nov 19 2025) — https://www.federalregister.gov/documents/2025/11/19/2025-20249/medicare-program-cy-2026-inpatient-hospital-deductible-and-hospital-and-extended-care-services
- CMS — K & L Out-of-Pocket Limits Announcements (Medigap Plan K & L annual limits) — https://www.cms.gov/medicare/health-drug-plans/medigap/k-l-out-of-pocket-limits-announcements
- CMS Pub 02110 — Choosing a Medigap Policy (current edition PDF) — https://www.medicare.gov/Pubs/pdf/02110-medicare-medigap-guide.pdf
Federal qualifying-event / guaranteed-issue rights
- Medicare.gov — When can I buy a Medigap policy? (federal trial-right & loss-of-group scenarios) — https://www.medicare.gov/health-drug-plans/medigap/ready-to-buy/when
- 42 U.S.C. § 1395ss(s) — statutory guaranteed-issue triggers (loss of employer/union, Medicare Advantage trial period, plan termination) — https://uscode.house.gov/view.xhtml?req=42USC1395ss&f=treesort&edition=prelim
State Medigap regulator primary sources — Wisconsin & Minnesota structural exceptions
- Medicare.gov — Compare Medigap Plan Benefits: Minnesota (federal page describing MN's basic / extended-basic structure) — https://www.medicare.gov/health-drug-plans/medigap/basics/compare-plan-benefits/minnesota
- Medicare.gov — Compare Medigap Plan Benefits: Wisconsin (federal page describing WI's basic-plan-plus-riders structure) — https://www.medicare.gov/health-drug-plans/medigap/basics/compare-plan-benefits/wisconsin
- Minnesota Department of Commerce — Medigap (state regulator landing page) — https://mn.gov/commerce/insurance/health/medicare/medigap/
- Wisconsin Office of the Commissioner of Insurance — Medicare Supplement Insurance Policies List (PI-010) — https://oci.wi.gov/Pages/Consumers/PI-010.aspx
Reviewer & licensee verification
- National Insurance Producer Registry (NIPR) — Verify existing insurance licenses (Producer Database / PDB lookup) — https://nipr.com/licensing/verify-existing-licenses
- NIPR — Look up a National Producer Number (NPN) — https://nipr.com/licensing-center/look-up-a-national-producer-number
- National SHIP Technical Assistance Center — locator — https://www.shiphelp.org/
Supplementary tier-2 sources (cited for the platform's own policy, not as medical authority)
- Google Advertising Policies — Restricted targeting in Personalized advertising (sensitive interest categories, incl. health) — https://support.google.com/adspolicy/answer/143465
State guaranteed-issue rule primary sources (verified at this build)
- California Department of Insurance — Medicare Supplement Insurance (birthday rule) — https://www.insurance.ca.gov/01-consumers/105-type/95-guides/05-health/03-medsup/
- Connecticut Insurance Department — Medicare Supplement — https://portal.ct.gov/cid/consumer-resource-library/health-insurance/medicare-supplement
- Maine Bureau of Insurance — Buy or switch Medicare Supplement outside Open Enrollment — https://www.maine.gov/pfr/insurance/consumers/medicare-supplement-insurance/buy-switch-outside-open-enrollment
- Massachusetts 211 CMR 71 — Medicare Supplement Insurance — https://www.mass.gov/doc/211-cmr-71-medicare-supplement-insurance-to-facilitate-the-implementation-of-mgl-c-176k-and/download
- New York Department of Financial Services — Information for Medicare beneficiaries — https://www.dfs.ny.gov/consumers/health_insurance/information_for_medicare_beneficiaries
- Oregon SHIBA — Medigap (birthday rule) — https://shiba.oregon.gov/medicare-65/pages/medigap.aspx
Standardization
- National Association of Insurance Commissioners — Medicare Supplement Insurance Standardization model — https://content.naic.org/
SHIP / SHIBA
- National SHIP Technical Assistance Center — https://www.shiphelp.org/