Should you want to apply for Medigap coverage outside of your open enrollment period – there is no guarantee that an insurance company will sell you a Medigap policy if you don’t meet the medical underwriting requirements. But it is FREE to check. Use the form on this page.
The perfect time to buy a Medicare Supplemental Insurance (Medigap) policy is during your 6 month Medigap open enrollment period, because you can buy any Medigap policy sold in your state. Even if you have health problems.
This period automatically starts the month you’re 65 and enrolled in Medicare Part B (Medical Insurance). After this enrollment period, you may not be able to buy a Medigap policy. If you’re able to buy one, it may cost more. SHOP AROUND using the form on top of this page.
Medicare Supplemental Insurance companies are for the most part allowed to use medical underwriting to decide whether to accept your application and how much to charge you for a Medigap policy. However, if you apply during your Medigap open enrollment period, you can buy any Medigap policy the company sells, even if you have health problems, for the same price as people with good health.