When To Buy Medigap? 
The best time to buy a Medigap policy is when you are first eligible , i.e. during your 6-month Medigap open enrollment period , because you can buy any Medigap policy sold in your state , even if you have health problems . This period automatically starts the month you 're 65 and enrolled in Medicare Part B , and once it 's over , you ca n't get it again . Medigap insurance companies are generally allowed to use medical underwriting to decide whether to accept your application and how much to charge you for the Medigap policy . However , if you apply during your Medigap open enrollment period , you can buy any Medigap policy the company sells , even if you have health problems , for the same price as people with good health . 