To enroll in a Medigap Plan, you must carry Original Medicare (Parts A & B) and reside within a plan’s coverage area. The Medigap open enrollment period starts the first month you have Medicare Part B and you’re 65 years old or older. This timeframe generally cannot be changed or repeated, although some states have additional open enrollment windows. Additionally, you cannot be denied coverage during the open enrollment period and insurers may not consider your health when determining the price of the policy.
Although the open enrollment period is typically when individuals have more choices and receive better prices, Medigap policies may be available outside of it and to those under 65 years of age. Reach out to our agents to discuss enrollment eligibility, coverages, exclusions and premiums.