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Are you turning 65 soon? Don’t overlook these guidelines when signing up for Medigap.   

Medicare Supplement Open Enrollment

by: Leandro Mueller

Enrolling during the Medicare supplement open enrollment is the perfect period for you to cover the gaps in your Original Medicare coverage. However, you would need to make sure that you’re eligible and able to enroll at the appropriate time – otherwise, fees may
be applied.

The suggested period to enroll for a Medigap policy is during your Initial Enrollment Period. This is the period that lasts for six months beginning the day you turn 65. You must be enrolled in Medicare Part B as well. You may purchase a Medigap policy after the initial enrollment period, but higher premiums may be applied.


When is the Best Time to Enroll in a Medicare Supplement Plan?


When You Have Enrolled for Part B – enrolling when you’re first eligible will help you avoid higher premiums.


Under the Age of 65 – depending on some states, a Medigap policy may be sold to policyholders under the age of 65.


When you are covered by an employer or union group health plan – group health plans allow you to enroll in a Part B plan, once the employer coverage ends. This means that you can also enroll for Medicare Supplement coverage after the Part B enrollment.


Circumstances When You Can Enroll for Medigap Outside the Initial Enrollment Period


  • When your insurer goes bankrupt
  • When you are enrolled in a Medicare Select plan, and you’ve moved out of the policy’s serviced area
  • When you are enrolled in a Medicare Advantage plan, and you’ve moved out of the policy’s serviced area
  • When you are enrolled in a Medicare Advantage plan, and your policy leaves the Medicare program
  • When you initially enrolled for Medicare Advantage when you turned 65, but changed your mind and decided to enroll in Original Medicare (must be within the first year of the Medicare Advantage purchase)


Enrolling for Medigap may be challenging. Aside from the pointers mentioned above, a good way to help you prepare for Medicare Supplement open enrollment is to seek advice from an expert. Another is by using this checklist