When can I Enroll in a Medicare Supplement?

Senior Question

If you have Original Medicare, Part A and Part B, you have two Medicare Supplement enrollment periods. Your best option is Medigap Open Enrollment Period. Otherwise, you may be able to enroll during the Annual Election Period.

Medicare Supplement Enrollment Periods

When you are first eligible for Medicare, you can enroll in a Medigap plan. This Medigap Open Enrollment Period starts after you enrolled in Medicare Part B. For example, Medigap Open Enrollment can start when you turn 65 or first become eligible for Medicare.

Medigap Open Enrollment Period

Medicare.gov says, “The best time to buy a Medigap policy is during your 6-month Medigap Open Enrollment Period.” During this period, you can buy a Medicare Supplement plan “even if you have health problems.” You are exempt from medical underwriting during your Medigap Open Enrollment. Furthermore, during this period, you can buy Medicare Supplement plans for the same price as people with good health.

Annual Election Period (AEP)

However, after Medigap Open Enrollment, you may not be able to buy a Medicare Supplement plan. You will need to answer health questions and pass medical underwriting. If you can buy a Medigap plan, it may cost more due to past or present health problems. You can apply for a Medigap policy during the Annual Election Period.

The Medicare Annual Election Period occurs once a year between October 15 and December 7.

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If you have health problems, the best time to enroll in a Medicare Supplement plan is during Medigap Open Enrollment. Otherwise, you can be denied Medigap coverage due to your health problems or pay more.

We can help you find the right Medigap plan. Please call Senior Healthcare Direct at 1-855-368-4717 or get your quote to enroll in a Medicare Supplement plan.


Last Updated on July 19, 2021 by Brian Kondas