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acljump Asked October 2016

What is the difference between Medigap group plans and individual plans?

I was doing some research on Medigap policies through the Medicare website (https://www.medicare.gov/find-a-plan/questions/medigap-home.aspx) and I noticed that some Medigap plans are characterized as a "Group Plan" while others are characterized as an "Individual Plan". What is the difference between the two? Does the distinction involve how the premium is charged?

pamstegma Oct 2016
It's your choice. Join a group plan or do individual.

acljump Oct 2016
So a person can't apply for a Medigap group plan unless their employer, union, or social organization offers it? They can only apply for Medigap individual plans?

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pamstegma Oct 2016
group plans are for 3 or more people in the contract, such as an employer, a union, or even a social organization like AARP. The biggest difference is the scope of coverage. A group of retired people does not need the same coverage as those still working.

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