這個其實是很重要的，第一次enrollment, 可以選合適的，但是一旦選好之後，最好就不變了

若以後要換Medigap plan, 需要經過Underwriting process. 總之，一次就選好，終身不換了

我選了UnitedHealth 的plan, 覺得保險公司大一點，希望二三十年後，這個公司還在。

 

Medigap Plan G premiums are individualized, but not in the sense of being tailored to your personal medical history once you’re already enrolled.
They are individualized based on factors like age, ZIP code, tobacco status, discounts, and the insurer’s pricing method, but not based on your personal claims or health after you have the policy.