Considering a Medicare Supplement Plan When You’re in Good Health
If you’re healthy and rarely visit the doctor, it’s tempting to think you don’t need a Medicare Supplement (Medigap) plan. Why pay monthly premiums for coverage you might not use? But in reality, thinking ahead can save you thousands—especially when it comes to Medicare.
Let’s break down whether Medicare Supplement Plans are worth it for healthy individuals and why working with a local broker like Ed McMahan in Prescott, Arizona can help you make the smartest decision for your future.
What Is a Medicare Supplement (Medigap) Plan?
A Medicare Supplement Plan—commonly known as Medigap—is extra insurance you can buy to cover the gaps in Original Medicare (Part A and Part B).
These gaps include:
- Copayments
- Coinsurance
- Deductibles
- Foreign travel emergency costs
Medigap policies are standardized and regulated, which means the benefits are the same across different companies. The only major difference? The cost.
Why Consider a Medigap Plan If You’re Healthy?
You’re Not Always Going to Be Healthy
Right now, you may be:
- Taking no medications
- Seeing doctors rarely
- Needing zero hospital visits
But health is unpredictable, especially as we age. An accident, illness, or diagnosis can happen suddenly—and once you need care, it may be too late to qualify for a Medigap plan without medical underwriting.
Fact: You have a one-time Medigap Open Enrollment window (6 months after you turn 65 and enroll in Part B). After that, you can be denied coverage or charged more based on your health.
Protect Against High Out-of-Pocket Costs
Original Medicare only covers 80% of your medical costs. That remaining 20%? There’s no limi
- A hospital stay could cost you thousands
- Outpatient surgeries, physical therapy, or diagnostic tests can add up quickly
- Chronic conditions can create a lifetime of costs
- A Medigap plan gives you predictable expenses and peace of mind, even if you’re currently healthy.
Freedom to See Any Doctor That Accepts Medicare
Unlike Medicare Advantage plans, Medigap plans:
- Don’t have provider networks
- Let you see any doctor or specialist who accepts Medicare nationwide
- Avoid prior authorizations and referrals
This flexibility is important if you travel often, spend time in different states, or want access to the best providers without restrictions—especially if your health changes.
How Medicare Supplements Protect Your Future Health Needs
Even if you’re in great health today, that can change unexpectedly. Medicare Supplement Plans give you strong protection against surprise medical bills, especially for hospital stays, surgeries, or specialist visits.
Enrolling while you’re healthy not only ensures you’re covered when you need it most, but it also helps you avoid potential issues later—like medical underwriting, denial, or higher premiums due to new health conditions. It’s a smart move for long-term peace of mind.
📍 The Smart Move: Talk to a Local Medicare Expert
Every situation is unique and there’s no one-size-fits-all answer. That’s why talking to a local Medicare broker in Prescott, AZ, is your smartest move.
The broker will help you.
- Understand all Medigap options
- Compare costs between multiple companies
- Determine if a lower-cost plan (like High Deductible Plan G) fits your current needs
- Consider alternatives like Medicare Advantage if it’s a better fit
- Best of all, his help is 100% free to you.
Contact Ed McMahan Medicare Insurance
If you’re healthy now, this is your best time to lock in Medigap coverage without any health questions.
📍 3623 Crossings Dr, Ste 277, Prescott, AZ 86305
📞 (928) 379-0172
📧 edmcmahan2020@gmail.com
Frequently Asked Questions
Can I get a Medicare Supplement Plan if I’m still healthy?
Yes! In fact, this is the best time to enroll. During your initial Medigap Open Enrollment (when you first get Part B), you can’t be denied or charged more due to health conditions.
What if I skip Medigap now and need it later?
If you try to apply later, insurers may:
- Deny your application
- Charge you more based on health
- Impose waiting periods for coverage
Is Medicare Advantage better than Medigap if I’m healthy?
It depends. Medicare Advantage plans usually have lower or zero premiums but come with copays, provider networks, and more limitations. Medigap offers predictability and freedom, especially for those who value choice.
How do I choose the right Medigap plan?
There are 10 standardized Medigap plans (Plan A, B, G, N, etc.). Ed McMahan will help you compare options side-by-side to find one that suits your budget and health.