When Can I Buy A Medigap Policy? 
You should buy your Medigap plan when you 're new to Medicare - this is THE BEST time to buy a Medicare supplement plan 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 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 . Beyond this window , 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 available to you . Anyone over the age of 65 and has 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 . I hope the information is helpful - please feel free to contact me for assistance with your Medigap coverage , quotes , and comparisons of plans and if you have any other questions . Thanks very much . 