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.

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:

• The gaps Original Medicare leaves that most people never hear about - until they get the bill
• Why Medicare Advantage's "extra benefits" can come with hidden costs that matter most when you're sickest
• What freedom of choice really means - and why it disappears the moment you join a network
• 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 ancillary plans (cancer, critical illness, short-term care) that complete your protection picture
• The 10 most common Medicare enrollment mistakes - and exactly how to avoid them
• State-specific rules: birthday laws, anniversary rules, and guaranteed issue windows that could save you thousands

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.