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When do you apply for Medicare Supplement?


The best time to apply is during your Medigap open enrollment period.

This period begins on the first day of the month when you're 65 or older AND enrolled in Medicare Part B and lasts for 6 months.

Some states will have additional open enrollment periods for those under 65. During this time companies cannot use medical underwriting to refuse to sell you a policy, charge you more because of your health or make you wait for coverage (they may use a pre-existing condition waiting period). If you are replacing certain types of health care coverage you may be able to avoid or shorten waiting periods for pre-existing condition coverage.

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