Updated July 2, 2026
MedigapExplained is built to be accurate, current, and genuinely useful. This page covers who is behind the site, how the tools and content are produced, and the sources we draw on.
Who runs this site
MedigapExplained is produced by a small team of editors and healthcare writers working under Encore Editorial. No single owner is listed because the work is genuinely collaborative: writers research and draft, editors check sources and structure, and the team reviews pages when CMS figures or Medicare rules change. Writers like Naomi Foster, Contributing Writer for Healthcare, lead coverage of Medicare and Medigap topics. Every article is fact-checked against CMS publications and Medicare.gov before it publishes, and pages are updated when the rules or rates shift. The goal is to make Medigap clear and sourced for the person who has to navigate it, not to sell a product.
How our tools are built
The three calculators here model Medigap premium ranges by age band and rating method, the six-month open enrollment window, and the annual-cost gap between Medigap and Medicare Advantage. Default figures come from the CMS and state filings cited on each tool page, and each page lists the assumptions that drive its estimate. All arithmetic runs client-side; what you type stays on your device.
Our sources
Figures and explanations are drawn from Medicare.gov, CMS, and state insurance departments. Where rules vary by state or change annually, we say so and link to the authoritative source so you can confirm the latest details directly.
Editorial independence and corrections
No insurer sponsors this site or previews its content. A handful of outbound links carry referral tracking that can pay us if you request a quote, which funds the site without changing a single premium figure or comparison verdict. If a state rule or dollar amount here disagrees with what Medicare.gov says, trust Medicare.gov and let us know so we can correct the page.