When is the best time to enroll in Medigap?

The best time to buy a Medigap policy is during your Medigap open enrollment period, which lasts for six months and begins on the first day of the month in which you are both 65 or older and enrolled in Medicare Part B. During this period, you can buy a Medigap policy without fear of being turned down or charged more because of a past or present health problem. After this six-month period, you may be denied coverage or charged more due to a pre-existing condition. 

For instance, if you completed your Medicare enrollment in time for your 65th birthday, and your birthday is on May 14, this window runs from your Medicare effective date of May 1 until Oct. 31.

If you join a Medicare Advantage plan, also called Part C, you don’t need and can’t buy a Medigap policy.

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Important: This content reflects information from various individuals and organizations and may offer alternative or opposing points of view. It should not be used for medical advice, diagnosis or treatment. As always, you should consult with your healthcare provider about your specific health needs.