How To Get Medigap? 
You can buy a Medigap policy through a Medigap insurance agent - I highly recommend doing it through an independent agent who can shop your case among many carriers instead of just 1 or 2 through a captive agent -LRB- agents who are basically employees of a specific company and ca n't guarantee if you 're paying the lowest cost for a standardized Medigap plan -RRB- . You can apply for a Medigap plan up to 3 months before your Medicare Part B effective date - you must have both Medicare Part A & Medicare Part B to buy a Medigap plan . Once you have an established Medicare Part B effective date , you will have a 6-month open enrollment period to buy any Medigap plan from any carrier with NO medical underwriting - this is THE BEST time to buy a Medigap plan . After this point , you can buy a new Medigap plan whenever you would like -LRB- there are no annual enrollment periods for Medigap plans -RRB- , however , you would have to go through medical underwriting if you do n't qualify for a special enrollment period or a guaranteed-issue right . Determining which Medigap plan is right from you and which carrier to apply for the plan through can be a bit more involved than some may realize . It 's not all about price as some may believe . You need to look at the carriers ' premium rating methods -LRB- community , attained , or issue age rated -RRB- , their rates , their rate increase history , their service history , and other factors . I hope the information is helpful - please feel free to contact me for assistance with your Medigap coverage needs , including providing quotes and plan comparisons , and if you have any other questions . Thanks very much . 