Switching Medicare Gap Plan -- stop overpaying

Charise Karjala • February 17, 2026

Its time for a review.

Are You Overpaying for Your Medicare Supplement Plan? Here’s When to Shop Your Medigap in the Coachella Valley

If you live in the Coachella Valley and have a Medicare Supplement (Medigap) plan, you may be paying more than you need to — without even realizing it.

Many Medicare beneficiaries in Palm Desert, Palm Springs, La Quinta, Indio, Rancho Mirage, Cathedral City, and Desert Hot Springs see their monthly premiums increase every year. Over time, those increases can add up to hundreds or even thousands of dollars in unnecessary costs.

The good news?
In many cases, you may be able to shop your Medicare Supplement plan and potentially lower your premium while keeping the same level of coverage.

In this article, we’ll explain why Medicare Supplement premiums rise, how shopping works, and when it makes sense to compare plans.

What Is a Medicare Supplement (Medigap) Plan?

A Medicare Supplement plan, also known as Medigap, is coverage that works alongside Original Medicare (Part A and Part B). It helps pay for expenses that Medicare does not fully cover, such as:

Deductibles
Copayments
Coinsurance
Hospital costs
Out-of-pocket medical expenses

Medigap plans are standardized by the government, which means a Plan G is the same Plan G, regardless of the insurance company offering it.

That’s an important detail — and it’s exactly why many people end up overpaying.

Why Medicare Supplement Premiums Increase Over Time

Many people in the Coachella Valley choose Medicare Supplement coverage because it offers peace of mind and predictable costs. However, premiums often increase each year due to several factors, including:

✅ Age-related rate increases

Some policies increase as you get older.

✅ Inflation and healthcare cost increases

As healthcare costs rise, insurance companies adjust pricing.

✅ Claims experience within the plan group

If a plan has more high-cost claims, rates can increase.

✅ Closed blocks of business

Some plans stop accepting new enrollees, which can lead to higher rate increases over time.

Signs You Might Be Overpaying for Your Medigap Plan

Here are some common red flags that suggest it may be time to shop your Medicare Supplement plan:

1. Your Premium Has Increased Every Year

Many people start with a good premium, but after 3–5 years the plan becomes significantly more expensive.

2. You Haven’t Compared Rates in Over 2 Years

Medigap pricing changes frequently, and new competitive rates may be available.

3. You’re Paying More Than Others for the Same Plan

Because Medigap plans are standardized, someone else may have the exact same benefits but pay much less.

4. You’re on Plan F and Paying a High Premium

Plan F is still a great plan, but it can be more expensive, especially now that it’s closed to new Medicare beneficiaries.

When Should You Shop Your Medicare Supplement Plan?

Shopping your Medicare Supplement plan doesn’t mean you have to switch — it simply means reviewing your options.

Here are the best times to consider shopping:

✅ If Your Premium Increased Significantly This Year

If your premium jumped more than expected, it may be worth comparing rates immediately.

Even a $30–$60 monthly difference adds up fast.

✅ If You’ve Had Your Plan for 3+ Years

Many people in Palm Desert and the surrounding areas stay with the same plan because they assume they cannot change. But reviewing every few years can help ensure you're still getting competitive pricing.

✅ If You Are Healthy and Can Pass Underwriting

In many cases, switching Medigap plans may require medical underwriting (health questions).

If you're currently in good health, it may be a good time to shop before future health conditions make switching harder.

✅ If You Recently Moved to the Coachella Valley

If you moved from another state or region, your Medigap pricing may change. Reviewing plans based on your new ZIP code can be beneficial.

Plan G vs Plan N: Which One Might Save You Money?

Two of the most popular Medigap options in California are Plan G and Plan N.

Medicare Supplement Plan G

Plan G is often considered the best overall value because it covers almost everything except the Medicare Part B deductible.

Plan G typically provides:

strong coverage
predictable out-of-pocket costs
fewer surprise bills

Medicare Supplement Plan N

Plan N may have a lower premium, but it includes small copays for some services.

Plan N can be a good fit for people who:

don’t visit the doctor frequently
want to lower monthly costs
are comfortable with some cost-sharing

A Medicare review can help determine whether Plan G or Plan N makes more sense for your lifestyle.

Can You Switch Medicare Supplement Companies Without Losing Coverage?

Yes — in many cases, you can switch Medicare Supplement companies while keeping the same plan letter (such as Plan G).

This is important because:

✅ Your coverage stays the same
✅ You may get a lower premium
✅ You may find a company with better rate stability

However, switching may require underwriting unless you qualify for a guaranteed issue situation.

What Is Underwriting for Medicare Supplement Plans?

Underwriting means the insurance company may ask health questions before approving your new Medigap plan.

This can include questions about:

heart conditions
diabetes complications
recent surgeries
cancer history
COPD or lung conditions
medications and ongoing treatment

If you are approved, you can switch and potentially reduce your premium.

If you are not approved, you may be better off staying where you are.

This is why it’s important to work with an experienced Medicare agent who can guide you safely.

What Happens If You Switch the Wrong Medigap Plan?

Switching without proper guidance can sometimes create problems such as:

switching to a company with unstable rate increases
losing access to a plan you preferred
applying when you’re not likely to qualify medically
switching at the wrong time of year

A proper Medicare Supplement review helps you avoid mistakes and ensures you compare the right options.

Why Coachella Valley Medicare Beneficiaries Should Review Their Medigap Plans

The Coachella Valley has a large retiree population, and many people choose Medicare Supplement plans for the flexibility to see doctors across California and beyond.

Because many residents travel between states, visit family, or spend part of the year elsewhere, Medigap plans can be a strong fit — but only if the premium remains affordable.

If your Medicare Supplement premium has been creeping upward, now is a great time to review your options.

Get a Medicare Supplement Review in the Coachella Valley

If you live in Palm Desert, Palm Springs, La Quinta, Indio, Rancho Mirage, Cathedral City, or Desert Hot Springs, and you’re wondering if you’re overpaying for your Medicare Supplement plan, I can help.

I offer a free Medicare review to help you:

Compare Plan G vs Plan N
Review your current Medigap premium
Check whether switching makes sense
Explain underwriting requirements
Find a plan that fits your budget and healthcare needs

Schedule Your Free Medicare Supplement Review

🌐 Visit: https://www.charisekarjala.net
🌐 Or: https://www.healthmarkets.com/CKarjala

If you’d like, you can also call or message me directly through my website to schedule an appointment.

Final Thoughts: Don’t Pay More Than You Need To

Many people assume Medicare Supplement plans cannot be changed once enrolled. In reality, shopping your plan may help you save money — especially if you’re paying higher premiums for the same standardized benefits.

If your Medigap premium has increased, it may be time to compare rates and see what options are available in the Coachella Valley.

A quick review can help you determine whether you're still in the best plan for your needs.