Medicare, Medicare Supplement, Plan G, Senior Health, Oklahoma City

Medicare Open Enrollment Is Open: This Supplement Plan Includes a Gym Membership

Medicare’s Annual Enrollment Period runs from October 15 to December 7 each year, and 2026 is no different (medicare.gov). That is when you hear a lot about switching Medicare Advantage and Part D drug plans. But if you are thinking about a Medicare Supplement, the rules work differently, and that can actually give you more control and less stress.

It is that time of year. Medicare's Annual Enrollment Period opens October 15, and if you're on Medicare, you're probably starting to hear a lot of noise about plan changes. But here's something worth knowing before you get swept up in all of it.

If you're looking at a Medicare Supplement plan, the enrollment period doesn't apply to you. You don't have to wait. You can make the switch whenever you're ready.

And there's a Supplement worth switching to right now.

You're Covered on Both Ends

This is a Medicare Supplement Plan G, and it comes with an actual gym membership. Not as a gimmick. It's part of the plan's core philosophy.

Prevention is built into this plan. Staying active, keeping up with your health, getting ahead of things before they become problems. The gym membership is part of that commitment. For many people, having a membership included is the nudge they need to stay moving and stay social, which can be just as important as the medical coverage itself.

And on the coverage side, you're fully protected. After Medicare pays its share, Plan G covers nearly everything else (medicare.gov). Whether it's a preventative visit or something more serious, you're covered. No gaps. No surprises. Both ends taken care of.

You Don't Have to Wait for Open Enrollment

This is one of the most important things to understand about Medicare Supplements: there is no enrollment period. Unlike Medicare Advantage plans, you can apply for a Medicare Supplement any time of year. The October 15 to December 7 window you hear about is for Advantage and Part D drug plans, not Medigap policies (aarp.org).

If you're already on Medicare and ready to make a change, you can do it today. No waiting until October 15. No waiting until January 1. You simply apply, and when you're approved, your new coverage begins. That flexibility can be a real relief if your current plan is not working for you or your costs have crept up over time.

The one exception is if you're aging into Medicare for the first time. In that case, there is a specific window when you first become eligible, and that window is actually the best time to lock in a Supplement because you're guaranteed coverage regardless of your health history (medicare.gov). If that's your situation, reach out and we'll walk you through the timing so you do not miss that guaranteed issue opportunity.

For everyone else already on Medicare: you're not waiting on anyone. The decision is yours to make whenever you're ready.

The Rates Make Sense

Here's what makes this particular Plan G stand out financially. It's structured as a high-deductible Plan G for the first three calendar years. That structure is what keeps the monthly premium significantly lower than a standard Plan G. In 2026, the high deductible for Plans F and G is $2,950 before the policy starts to pay, according to the Centers for Medicare and Medicaid Services (cms.gov).

After those first three years, the deductible goes away completely. You're left with a full Plan G, no deductible, and rates that stay far below what comparable plans charge. For most people, the monthly premium savings over three years more than offset the deductible. And after year three, you're in a strong long-term position with a predictable, easier to budget premium and very limited out of pocket risk for Medicare covered services.

Why People on Advantage Plans Are Taking a Second Look

If you've been on a Medicare Advantage plan, you may have appreciated the gym membership benefit. That is a popular feature. But Advantage plans also come with networks, prior authorizations, and out-of-pocket costs that can pile up when you actually need care. Every specialist visit, test, or hospital stay can bring another copay or coinsurance up to the plan's yearly limit.

A Medicare Supplement works differently. Medicare pays first. Your supplement covers the rest. No fighting a network. No waiting for approvals. You just get care, from any doctor or specialist who accepts Medicare, anywhere in the country. Plan G is one of the most comprehensive options available to new enrollees, covering Part A and Part B coinsurance, hospital costs, skilled nursing facility coinsurance, hospice coinsurance, Part A deductible, Part B excess charges, and even limited foreign travel emergency care (ncoa.org).

This plan gives you the gym membership and the freedom of a supplement. You don't have to give one up to get the other. For many people, that combination of flexibility, nationwide access, and proactive wellness support is exactly what they were hoping for when they first signed up for Medicare.

Ready to Make the Move?

You don't have to wait for a deadline. If you're on Medicare and curious about whether this plan makes sense for your situation, reach out to us today. Our team at Modern Healthcare Plans of America will walk you through the numbers, compare your current coverage, and give you a straight answer. We will also help you understand how any change could affect your prescriptions, your doctors, and your budget so you are not guessing.

No pressure. Just real information from people who know Medicare.

Modern Healthcare Plans of America
4005 NW Expressway, Suite 620E
Oklahoma City, OK 73116
Phone: (405) 500-2510
Website: modernhealthcareplans.com/home

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