DCMIA - MediGap

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We offer options multiple Medicare options for your personal health and lifestyle.

Available Plan types

Medicare Advantage Plans (MAPD - HMO & PPO)

Medicare Supplement (Medigap)

Stand Alone Prescription Drug Plans (PDPs)

Medicare Carriers represented

Aetna * Alignment * Anthem Blue Cross * Blue Shield of California * Central Health*

Humana * L.A. Care * Molina * Providence * SCAN*

Unitedhealthcare (UHC, Secure Horizons & AARP)*

Centene (WellCare & HealthNet)*

What is a MediGap Plan?

Medigap (Medicare Supplement) plans are standardized, private policies (letters A–N) that work only with Original Medicare to fill cost‑sharing gaps; some plans (C and F) are no longer sold to people newly eligible after 1/1/2020, and the best time to buy is your 6‑month Medigap Open Enrollment Period when insurers generally cannot deny you coverage.

Clarifying questions & decison points

Considerations:

*Do you want nationwide provider access, predictable out‑of‑pocket costs, and no network restrictions?

*Do you have chronic conditions or frequent prescriptions?

Decision points: Keep Original Medicare + Medigap if you value provider freedom; choose Medicare Advantage if you prefer bundled benefits and lower premiums and managed health care in time of need.

Standardized plans: There are 10 standardized letter plans (A, B, C, D, F, G, K, L, M, N) in most states; each letter offers the same benefits regardless of insurer. Plans C and F are closed to new Medicare beneficiaries who became eligible on or after 1/1/2020.

Pro, Cons & Enrollment Rules

Pros: Nationwide provider access; predictable cost sharing; standardized benefits across carriers.

Cons: No prescription drug coverage (Part D must be purchased separately); premiums can be high; one policy per person.

Best enrollment window: 6‑month Medigap Open Enrollment beginning the month you turn 65 and are enrolled in Part B — during this window insurers generally cannot use medical underwriting or deny coverage. Outside this window, insurers may apply medical underwriting except where state guaranteed‑issue rules apply.

Risk, Tips & Next Steps

Risk: Buying Medigap after underwriting can mean higher premiums or denial; missing Initial Enrollment for Part D can trigger a late‑enrollment penalty.

Tip: Compare premiums across carriers for the same letter plan; consider Plan G if you want near‑complete coverage and are newly eligible.