Medigap 2026

You've worked your whole life. Medicare was supposed to be the finish line. So why does it feel like a maze?

Every year, millions of Americans turn 65 and face a decision that will affect their health, their finances, and their freedom for the rest of their lives - with almost no honest guidance on how to make it.

This book changes that.

Fully refreshed for 2026 and updated ahead of this year's Medicare Annual Enrollment Period (October 15 - December 7) - reflecting current Medicare Supplement plans, premium trends, and enrollment rules.

Medigap 2026: Pay a Premium for a Premium Product is the clearest, most complete guide to Medicare Supplement insurance written for real people - seniors approaching Medicare, families helping a loved one navigate it, and the agents who want to serve their clients with integrity.

Ted Sims has spent 25 years at kitchen tables across America helping seniors choose Medicare coverage. He's made the mistakes, learned the lessons, and now trains agents across the country to do this work the right way. In this book, he shares everything - without a quota attached.

Inside, you'll discover:

• Why Medicare Advantage's "extra benefits" can come with hidden costs that matter most when you're sickest
• The 10 most common Medicare enrollment mistakes - and exactly how to avoid them
• How to choose between Plans G, N, and High-Deductible G using real sample rates and your own situation
• Why Medigap premiums are rising - and the strategies to stay ahead of the increases
• The gaps Original Medicare leaves that most people never hear about - until they get the bill
• The ancillary plans (cancer, critical illness, short-term care) that complete your protection picture
• State-specific rules: birthday laws, anniversary rules, and guaranteed issue windows that could save you thousands

Here's what "freedom of choice" actually buys you: not just a doctor - the doctor. The specialist other doctors name when they say, "if it were my family, this is who I'd call." With the right coverage, that person is within reach. No network. No referral. No one you've never met deciding who's available to you on the worst day of your life.

This is not a neutral book. Ted believes in Medicare Supplement insurance - and he tells you exactly why, including what he plans to buy for himself when his own Medicare enrollment arrives.

Whether you're 63 and planning ahead, 65 and enrolling now, or an agent who wants to do right by your clients - this is the guide you needed someone to write.

Your coverage. Your doctors. Your freedom. Protect it.