People turning 65 get a one-time opportunity to buy a Medicare Supplement plan without medical underwriting. During this six-month enrollment period, you can buy a Medigap plan.
By enrolling during the Medigap Open Enrollment Period, you get the following benefits:
Generally, you get better prices and more Medigap plan choices.
The supplement insurance company cannot use medical underwriting and cannot deny your Medigap coverage due to pre-existing health issues.
You can avoid waiting periods for pre-existing conditions.
Medigap Enrollment FAQs
Medigap Guaranteed Issue Rights
You may have the right to buy a Medigap policy under the following conditions:
Your Medicare Advantage (MA) plan leaves Medicare or stops providing care in your area or you move out of the plan’s service area. Then you must apply for Medigap 60 days before your MA plan ends or no later than 63 days after your MA plan ends.
Your employer group health plan that pays after Medicare is ending. Then you have no more than 63 days after the latest:
You joined MA plan when first eligible and decide to return to Original Medicare within the first year. You must apply 60 days before coverage ends or no more than 63 days after your MA coverage ends.
You dropped a Medigap plan to join an MA plan for the first time. Then within a year, you want to switch back to a Medicare Supplement. You must apply 60 days before your coverage ends or no more than 63 days after your MA plan ends.
The Medicare Supplement insurance company goes bankrupt and you lose coverage, or ends through no fault of your own. You must apply no later than 63 days after your current Medigap plan ends.
The MA or Medigap plan failed to follow the rules or misled you. Then you must apply no more than 63 days after your coverage ends.
Call Senior Healthcare Direct at 1-833-463-3262 to speak with a licensed agent about buying a Medigap policy or get a quote.