When To Buy A Medigap Policy? 
You can buy a Medigap Plan at any time during the year as long as you are enrolled in Medicare Part A and Part B . If you have Original Medicare Part A and Part B , you may want to consider buying a Medigap policy sooner rather than later . Original Medicare only covers generally 80 % of your medical costs , leaving you to pay the other 20 % -- as well as the Part A deductible -LRB- $ 1,216 in 2014 -RRB- and the Part B deductible -LRB- $ 147 in 2014 -RRB- . The best time to buy a Medigap Policy is during your initial Open Enrollment Period -LRB- the one time only , 6 month window when Federal law allows you to buy ANY Medigap Plan sold in your state -RRB- . During this period you can not be denied coverage . If you already have a Medigap Plan , you can buy a policy whenever you wish . You will just have to answer the health questions on the insurance company application . Your application will have to approved through the medical underwriting department . It 's important to note that the Affordable Care Act does not apply to Medigap Plans . If you have some health conditions , a Medicare Supplement Specialist can work with you to see which insurance companies might be good match for you . In some cases , you may have a Guaranteed Issue Right to purchase a Medigap Policy if you have other health care that changes in some way -- for example , you lose other health care coverage . This means you 'll get a small window of opportunity to purchase a Medigap Plan without being denied coverage . It ' s best to contact an independent agent specializing in Medicare Supplement insurance to help you determine if you are in this type of situation . Thank you for reading my response . Please let me know if I can assist you with your Medigap insurance needs . 