This is the latest message from SHINE:
Medigap plans are health insurance plans that provide extra protection beyond Medicare by filling in some of the “gaps” in Medicare coverage. In Massachusetts, these plans allow continuous open enrollment. You must have Medicare A and B to enroll, and cannot be enrolled in a Medicare Advantage plan. Anyone who is eligible may enroll or change plans or coverage levels at any time, with changes effective the first of the following month. Note that Medigap policies do not cover prescription drugs, which are covered separately under Medicare Part D.
A Medigap policy will generally pay only when Medicare approves payment. You are free to choose any doctor or hospital that accepts Medicare and you do not need referrals to see a specialist.
For assistance with choosing a Medigap plan or any Medicare issue, make an appointment with a SHINE counselor at the Center. Appointments are available on Mondays and Wednesdays (only on Wednesdays during the summer). Call (781) 438-1157 to schedule an appointment.