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Spouse of Medigap client called Sunday AM to let me know her husband was in the hospital. Wanted to know how to make sure his Medigap was in force and how to pay the premium if needed.

Looked on the site and found the policy is paid to 3/1. No lapse notice evident. Gave her the 800 number to call.

She called me again this AM and said she got a recording yesterday.

I realize that Medigap is not primary coverage but was surprised there wasn't a live voice.

Is this typical of Medigap carriers that don't write primary coverage like MA or PDP or is it unusual?
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