Real answers for your healthcare questions
When is the best time to enroll in a Medigap plan?
Answer
For many people, the most favorable time to buy Medigap is during the six month Medigap Open Enrollment Period that begins when you are 65 or older and enrolled in Medicare Part B. During this federal window, you generally have stronger protections when buying a policy.
What to Know
After that period, an insurance company may be allowed to use medical underwriting in many situations, which can affect whether you can buy a policy or what you pay. Some states provide additional protections or enrollment opportunities, and certain life events may give you guaranteed issue rights.
What to Do Next
If you are considering Original Medicare with Medigap, start comparing policies before your Medigap Open Enrollment Period begins. Check your state rules as well as federal protections before delaying or switching coverage.
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