Shop and Enroll in a Medigap Plan on the Website
You can enroll in a Medicare Supplement Insurance (Medigap) plan at any time during the year; however, you may be subject to medical underwriting or other limitations depending on your situation.
You can review plans and enroll online; an appointment with a licensed benefit advisor isn’t required. If you'd prefer to speak with someone, sign in and select Speak to an Expert from the Help and Support drop-down list, or call us at your convenience.
If you want to review and enroll in a Medicare Advantage or Prescription drug plan, see Shop and Enroll in Medicare Plans on the Website.
Complete the following steps to shop for a Medigap plan:
1. Sign in to Via Benefits if you haven't done so already.
Note: Before you start shopping for a plan, go to your Profile and ensure your Personal Information is correct. Then select Return to Home.
2. Select Shop for Plans in the Shop & Compare section of the Home page.
3. Provide the requested information:
Select the Medicare-eligible person you're shopping for and verify your shopping ZIP Code.
Review your Reimbursement Funds Offered if applicable.
Note: If funds aren’t being offered to you, this option won’t appear.
Select Medicare Plans.
Select Medicare Supplement Insurance (Medigap).
Answer the Tobacco Use question.
Answer the Household Plans question, indicating if you anticipate enrolling in the same carrier as someone else in your household.
Indicate why you are shopping today.
I want to browse plans: Lets you view plans without an enrollment reason. However, you must have an enrollment reason to apply.
I'm losing group coverage or had a life-changing event: Select Choose an Enrollment Reason, and then select the applicable enrollment reason from the list that appears.
Note: During the Open Enrollment Period, you should typically select this option. Then select I'm currently enrolled in a Medigap plan and would like to review my options. (This applies to Medigap enrollment only.) from the list that appears, and select Save.
Select when you need coverage.
Select Save and Continue.
Choosing an Enrollment Reason
Reviewing Funding Offered (If Applicable)
You can review the following:
Qualification status
Qualified: You have met the requirements set by your former employer that allow you to receive funding. Your qualification requirements are shown inside the slide-out panel.
Not Yet Qualified: You have not met the requirements set by your former employer that allow you to receive funding. Your qualification requirements are shown inside the slide-out panel.
Qualification amount and frequency
Dual funded (if multiple funding accounts exist)
Premium reimbursements available per product
Funding source
4. If you haven’t already, add your Providers, Prescriptions, and Pharmacies (optional), then select Next. Adding this information helps identify plans that best meet your needs.
5. Review the Medigap plans.
Notes:
If you are looking for coverage for the upcoming year and are satisfied with your current Medigap plan, you don't need to take any action. Your plan will automatically renew for the following year, as long as it remains available.
Additional plan types are shown on the other tabs. You can shop for other plans, but you may be asked additional questions related to those products.
On the left side of the results page, you can:
A. Sort by Annual Estimated Plan Cost or Monthly Premium.
B. Filter by Insurance Carrier, Medigap Plans, and Provider Network.
Each plan tile shows you an overview of the plan, including:
C. Plan Deductible
D. Part A/B Deductibles
E. Annual Estimated Plan Cost
F. Monthly Premium
G. View Plan Details (detailed information about benefits, costs, and plan documents)
H. Select Compare to view and compare up to three plans side-by-side.
6. Select Add to Cart to add a plan to your shopping cart. Some plans may instead display Apply Now. When you select Apply Now, additional information appears explaining how to add that plan to your cart.
Note: When you select Add to Cart, the button name changes to View Cart.
If you were browsing for a Medigap plan and want to add it to the cart, you’ll see the steps to apply for the plan.
Select Continue and you'll be taken to the Prepare To Shop page.
Select I'm losing group coverage or had a life-changing event.
Select Choose an Enrollment Reason and select a valid reason from the list that displays.
Continue to shop and add this plan to your cart.
7. Select View Cart when you’re ready to finalize your plan selections.
Note: You will see View Cart on the plan tile, the Shopping List, or when you select the cart icon.
8. Select Start Checkout at the bottom of the Shopping Cart page when you’re ready to apply.
9. Select Go to Application.
Applications that indicate Online can be completed entirely on the website. Applications that indicate Phone must be completed by calling and speaking with a Via Benefits representative.
Some applications require you to go to the insurance carrier’s website to apply.
10. Verify your information and select Next.
11. Provide the requested information on the Application and agree to any required statements.
12. Sign the application and select Submit Application. You’ll get a message stating the application has been submitted.
13. Select Close to continue to your next application or view the status of your application.
Read Application and Policy Statuses to learn more.