The Centers for Medicare & Medicaid Services (CMS) has underscored the necessity for Medicare Advantage agents to adequately inform consumers about Medigap policies. This move aims to ensure that consumers are aware of the Medicare Advantage plans’ network and care management limitations, alongside the flexible coverage gap-filler Medigap options available.
Medigap policies differ from Medicare Advantage plans by offering coverage without requiring policyholders to use in-network providers or adhere to utilization management programs. However, the enrollment window for Medigap is notably restricted, particularly in terms of when consumers with health issues can obtain guaranteed-issue coverage without medical underwriting.
More details on the proposed regulations and the current Medicare enrollment period dynamics can be found in the original article here.