Who Can Buy A Medigap Policy? 
Anyone over the age of 65 and has both Medicare Part A & Part B can buy a Medigap plan . If you 're under 65 , you can still purchase a Medigap plan if you 're on Medicare for disability or ESRD , but the cost will be very high . Medigap plans are designed to be purchased by individuals age 65 and up . The BEST time to buy a Medigap plan is when you 're new to Medicare because you have a 6-month window -LRB- your initial open enrollment period - starts from your Medicare Part B effective date -RRB- to apply for ANY Medigap plan from ANY carrier with NO medical underwriting . This means that a carrier CAN NOT decline you for coverage for any pre-existing conditions or other medical-related illness . Outside your initial open enrollment period , you 'll be subject to answering health questions to qualify for a new plan -LRB- every carriers ' questions are different -RRB- if you do n't have a `` guaranteed-issue right '' for a special enrollment period available to you - carriers may request a phone interview as well and do a prescription check as well . I hope the information is helpful - please feel free to contact me for help with your coverage and if you have any other questions . Thanks very much . 