• A Medicare Supplement can be obtained during the Medigap six-month open enrollment Medicare Supplement - Medigap Enrollmentperiod. 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.
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