Disadvantages of Medigap Insurance:
- Some policies require you to you use doctors and hospitals in a specific network
- Dealing with nameless, faceless quote services that don't care if you're buying the right type of insurance
- Costs vary dramatically
- Some policies have an increasing premium
- Some companies charge more for poor health
- You may get financial assistance without Medigap coverage
- Some insurers charge higher premiums initially
- Your spouse may not qualify for the same benefits you do
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