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If after 30 minutes your skin appears shiny throughout , you likely have oily skin; if it feels tight and is flaky or scaly, you likely have dry skin; if the shine is only in your T-Zone, you probably have combination skin; and if your skin feels hydrated and comfortable, but not oily, you likely have normal skin.

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The gap that Medicare doesn't cover will be filled with any Gerber Life Medigap insurance policy. The best time to enroll in Medigap is during the Open Enrollment Period, when you will have Guaranteed Issue Rights.

GI rights allow you to enroll in coverage without fear of being denied or paying higher premiums.

The government standardized Medicare Supplement plans in 1990 to make it easier for consumers to compare plans.

The Medicare Select versions of some of the 10 plan options are available from Gerber Life Insurance.

You must be at least 65 years old to be eligible for the Gerber Life Medigap plan.

If you sign up when first eligible, you won't face a late enroller penalty.

If you have employer insurance when you turn 65, you should enroll in Part B within six months of the employer coverage ending.

If you're under 65 and receiving Social Security disability, you may be able to enroll in a life insurance plan.

Plan F is one of the most popular Medigap policies. Beneficiaries love having the most comprehensive plan available.

Plan F covers the gaps in Medicare.

There are no out of pocket medical expenses for Medicare physicians with Plan F.

One of the higher costing plans is Plan F, it offers first dollar coverage.

Many people prefer to pay more in premiums to avoid paying out of pocket for medical bills when they see a doctor or receive treatments.

You should ask yourself if you want the most comprehensive coverage or the best value when choosing a plan.

This will help you decide which plan is best for you.

Plan G has become an alternative to Plan F.

The second most coverage is provided by the Gerber Life Medicare Plan G. This plan does not cover the Part B deductible.

The amount of money you can save in premiums is more than the Part B deductible, so out of pocket expenses can seem like a reason to run.

The rate increases for Plan G tend to be lower than for Plan F, which makes this policy even more appealing.

Plan N is the third-best Medicare Supplement plan.

Plan F has the highest monthly premium and most comprehensive coverage.

Plan N has a lower premium than Plan F. Plan N has copayments for emergency room visits.

The copayment for emergency room visits is $50. Plan N could save you a lot of money on monthly premiums.

Plan N is a relatively new Medigap plan that began in June of 2010. It has a lot of coverage for a lower premium option.

All the other Medigap insurance companies have annual rate increases. Most people want to know how much the increase will be, but we can't predict it.

Each company has a different rate increase, as well as the plan. It is impossible to make an accurate prediction because of the many factors at work.