When Is The Best Time To Buy A Medigap Policy? 
Generally speaking I always suggest buying a medigap policy three months prior to your 65th birthday . It will not be effective until your 65th birthday . You must have your medicare card established . By setting up the plan with medigap three months prior , you lock in that rate . Now the price of the premium can not go up by doing it early . Also it eliminates one necessary procedure to do when you turn 65 . 