Free Medigap rate-stability review
Your premium went up. The useful question is not whether your company is “good” — it is which filed block your policy actually sits in, and what that block has done to everyone else in it.
What you get
- Which block you are in. Not the brand on your bill — the legal entity and its NAIC number, which is the thing that files rates. One brand often runs several, and they behave very differently.
- What that block has filed. Its rate actions over recent years, from the public filing record, so you can see whether this year was a correction or the third step of a pattern.
- Whether it is still open. A policy form closed to new customers ages without replacement, and the arithmetic of that works against you. How closed blocks work.
- Whether you could actually move. This is the part most reviews skip. Outside your one-time six-month window, and without a guaranteed issue right, an insurer may ask health questions and decline you.[Medicare.gov] If the honest answer is that you should stay where you are, that is the answer you will get.
What happens after you send it
Darin Weidauer reads it and calls you, usually the same business day and always within two business days. It is a conversation, not a quote engine. Nothing is sold on the call, and if there is nothing worth changing we will say so and you will not hear from us again unless you ask.
This costs you nothing, and neither does buying through us. You pay the same premium whichever way you buy: the commission comes out of the carrier's filed rate, it is never added to yours. Going direct to the insurer does not make the policy cheaper, and using us does not make it dearer.
We will never ask about your health on this website. No conditions, no medications, no diagnoses. Those questions belong in a conversation with a licensed agent, if and when you decide to apply somewhere. Please leave them out of the notes box too.
Request your review
Six fields are required and the rest help. We are licensed in AZ, CA, CO, FL, GA, MN, NV, NM, NC, OH, SC, TN, TX, UT, WA — choose your state first and the form will tell you straight away if we cannot help where you live.
MyMedigapRate is a Medicare Supplement research resource operated by an independent, licensed insurance agency. We are not connected with or endorsed by the United States government or the federal Medicare program.
Prefer to talk first? Call 702-706-6564 or email darinweidauer@ecos.care. Darin Weidauer answers both. You are also welcome to use the research here and never contact us — it is all free and none of it is gated.
Where this comes from
Every rule and deadline on this page is stated from a federal source. Each entry below says what we relied on it for and when we last read it. If something here disagrees with Medicare, Medicare is right — tell us and we will fix it.
- When can I buy a Medigap policy?The Medigap Open Enrollment Period is six months, begins the first month you are 65 or older and enrolled in Part B, and does not repeat.
- Get ready to buy a Medigap policyOutside open enrollment and without a guaranteed issue right, an insurer may use medical underwriting and may decline an application.
- Medigap costs — how insurance companies price policiesMedigap policies are priced one of three ways: community-rated, issue-age-rated, or attained-age-rated. Attained-age premiums rise with the policyholder's age.
- Learn how Medigap worksMedigap policies issued since 1992 are guaranteed renewable: the insurer cannot cancel the policy while premiums are paid.
- About SHIPs — free Medicare counsellingState Health Insurance Assistance Programs give free, unbiased, one-to-one Medicare counselling and take no commission.