June 23, 2016 by Brad Gunning

When is the Best Time to Buy a Medigap Policy?


Medicare Supplement QuoteMedigap Open EnrollmentWhen should you get a Medigap policy? The short answer: during your Medigap Open Enrollment Period.

Buy Medigap During Your Open Enrollment Period

The best time to buy Medicare Supplement Insurance (Medigap) is when you’re in the Medigap Open Enrollment Period. Open Enrollment begins on the first day of the month in which you’re both 65 years old (or older) and enrolled in Medicare Part B.*

If you apply for Medigap during your Open Enrollment Period, the insurance carriers cannot do medical underwriting. As a result, they can’t charge you more for a Medigap policy than they would charge someone with no health problems, nor can they refuse to sell you a Medigap policy.

It’s very important to buy Medigap during your Open Enrollment Period for the above reasons, but also because it is generally least expensive during this period and you’ll have more choices among policies.

If you’re interested in a personalized Medigap quote, we are happy to provide one for you at no cost and no obligation.

Request a Free, No-Obligation Medigap Quote


*More than half of the states have additional Open Enrollment Periods, including for people under age 65 on Medicare for disability. Contact us for more information.

Important Medicare Message - Turning 65
Important Medicare Message - Turning 65

This is an important message for people turning 65. When you turn 65 you have a short window of time to enroll in the highest quality health insurance available in the country and you cannot be denied coverage! If you miss this 6 month window you could miss your opportunity.

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