What Is Medigap Select? 
Each Medigap plan can be offered as a `` select '' plan . The premiums for these plans are generally less than those of the traditional Medigap plans , however , they require you use in-network doctors and hospitals -LRB- much like how an HMO works -RRB- to receive full benefits -LRB- except in the case of an emergency -RRB- . If you use a provider outside of the network , you may be responsible for the co-insurance that is not covered under Original Medicare as long as you use a doctor/hospital that accepts Medicare , If you buy a select Medigap plan and decide you would rather have a standard Medigap plan , you can change it to the standard plan within 12 months of when you started the coverage . A common question with select plans is `` if I move , can I take my coverage with me ? . Under select Medigap plans , you would have a guaranteed-issue right to purchase a new Medigap plan which plans are available depends on your zip code as not every plan is available in a given location . If applying for a new Medigap plan via a guaranteed-issue right , you can apply as early as 60 calendar days and up to 63 days after your coverage ended to buy a plan . Under a standard plan , you can take the plan with you as they are guaranteed renewable and have no networks . I hope the information is helpful - please feel free to contact me for help , including quotes and plan comparisons , and if you have any other questions . Thanks very much . 