MEDIcal GAP (aka. MEDIGAP)

NHQ has teamed up with Net Patient Foundation to help fill the MEDICAL GAPS that exist across the entire healthcare system as a whole doing our best to educate, equip and activate consumers to NEXT LEVEL CARE. We have identified the top voids or medical gaps and do our bett to help you understand your MEDIGAP options.

medicare supplement, life insurance and health insurance from Senior Products Aetna Health BlueCross BlueShield of Minnesota Cigna Supplemental Benefits Continental Life Ins. Co. of Brentwood Tennessee Coventry Health and Life Heartland National Health Partners Humana Medico Corp. Life Ins. Co. Medico Ins. Co. Mutual of Omaha Omaha Insurance Company Sentinel Security Life Settlers Life Shenandoah Life Silverscript Insurance Company Standard Life and Casualty Ins. Co. United American Ins. Co. United of Omaha UnitedHealthCare Ins. Co. Universal American UCare Wellcare Health Plans Western Catholic Union

Access Medigap

Access to quality care & providers who not only meet the consumers needs, but are aligned with NEXT LEVEL CARE! 

Knowledge Medigap

Cutting edge knowledge, and not main stream yet are often seen as a fine line, but you the consumer have the right to know, to make the most informed decisions about your care!

Quality Medigap

Caregivers & service providers who practice NHQ and strive for NEXT LEVEL CARE, including 5 Star and VIP services for the “Big Picture” 

Protection Medigap

Financial Voids can be filled for individuals, families, seniors and groups in many ways from Medical Sharing, Self Preparation to Privatized Insurance plans and government subsdized o

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Medigap Coverage Plans

Filling the medical gap when you retire may feel overwhelming with all the options from just sticking your head in the sand, to medical sharing or if you qualify for Medicare Part A and B, the multitude of options that open up are even more plentiful. NHQ VIP service offers a FREE WHITE GLOVE referral service to our NEXT LEVEL VIP MEMBERS .

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Medicare Advantage (PART C)

Medicare Advantage plans vary by location, but eligibility rules are standard. In this article, we dive into Medicare Advantage eligibility and give you all the tools you need to make the best coverage choice.

Who Qualifies for Medicare Advantage?

You are eligible for a Medicare Advantage plan if you have Original Medicare (Part A and Part B). Even those on Medicare under 65 due to disability may enroll. You may sign up for a Medicare Advantage policy if you live in your chosen plan’s service area.

When you enroll in a Medicare Advantage plan, you will pay your chosen plan’s monthly premium in addition to your Medicare Part B premium.

Low-income or Medicaid-eligible beneficiaries may qualify for extra help paying for premiums, deductibles, and copayments. Extra Help qualification is based on your annual income and can change anytime.

Those with End-Stage Renal Disease (ESRD) may also qualify for Medicare Advantage. For beneficiaries who enroll in Medicare with ESRD, coverage generally starts on the fourth month of dialysis. However, in some instances, coverage can begin within the first month of dialysis:

  • If the patient plans on completing home dialysis training to carry out self-dialysis treatments at home
  • ESRD Patients who start home dialysis training early (before the third month of their dialysis treatment)
  • Patients who participate in a home dialysis training program

If you have Medicare due to ESRD, your Medicare coverage can stop under two conditions:

  • 12 months after the month your dialysis treatments end
  • 36 months after receiving a kidney transplant.

Special Needs Plans are also available for those with chronic issues. Depending on where you live, a Special Needs Plan may or may not be available.

What Are the Medicare Advantage Eligibility Requirements?

If you are Medicare-eligible, you can enroll in a Medicare Advantage plan in your area. Not all locations have Medicare Advantage plans, so you should check plan availability before you decide on a policy.


Medigap Plans are private insurance plans designed to fill the medical gap, and will vary depending on:

Open Enrollment for Medigap

Many people get the different data confused, based on their life situation and tend to lump all situations into OPEN ENROLLMENT when in fact there are many different triggers, options and time lines based on your individual and family needs.

If you are not on medicare your medigap plan options may include:

If you are New to Medicare or on Medicare with a supplement your med supp open rollment options will vary if your planning on switching to an advantage plan, a different medicare supplement or getting rid of your medigap and switching to something different or going it alone!

On Medicare with Advantage