- A Medicare Supplement can be obtained during the Medigap six-month open enrollment
period. This open enrollment period begins the month you turn 65 and enrolled in Medicare Part B. - You can apply for a Medicare Supplement before this enrollment period, and your Medicare Supplement coverage will be effective the first day of the enrollment period
- Important! – Enrollment in a Medicare Supplement policy “outside” of the Open Enrollment period will most likely require medical underwriting.
To avoid medical underwriting while enrolling in a Medicare Supplement plan, you must have one of the following situations:
- You are enrolled in a Medigap plan that discontinues coverage by no fault of your own.
- Your employer coverage ends while your enrolled in Original Medicare
- You’re enrolled in a Medicare Advantage plan and you move out of their Service area.
- Your Medigap insurer goes out of business or deceived you.
- During the first year of enrollment in a Medicare Advantage plan at age 65 you change your mind and return to Original Medicare.
- You disenrolled from your Medigap plan to enroll in a Medicare Advantage plan for the first time and then changed your mind again to return to Original Medicare.
- Your enrolled in a Medicare Advantage plan that leaves the Medicare program.