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Enrolling in Medicare Supplements

Medicare Supplement Insurance (Medigap) can help you afford health care services after you enroll in Medicare. To get the best deal on Medigap plans, it’s best to purchase one as soon as you are eligible. This is how you can enroll in a Medigap plan.

Medigap Open Enrollment Period

The best time to enroll in a Medigap plan is during the Open Enrollment Period. This period begins on the first day of the first month you are both age 65 or older and enrolled in Medicare Part B. The period lasts for a total of six months. During the Open Enrollment Period, you have a guaranteed issue right to all Medigap plans that are available in your area. This means insurance companies cannot deny you coverage due to your health status or other underwriting issues.

Other Times Where Guaranteed Issue Rights Apply

If you are seeking Medigap coverage after your Open Enrollment Period has passed, you may still qualify for guaranteed issue rights. For example, if your Medigap insurer goes bankrupt or if your coverage ends through no fault of your own, you likely qualify for guaranteed issue rights. Other circumstances may make you eligible as well, but you should work with an insurance agent to determine whether you qualify.

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Enrolling After Medigap Open Enrollment Period Ends

If you can find a plan that will accept you, you can purchase Medigap coverage at any time of the year. Though, after your Open Enrollment Period is over, it may be exceedingly more difficult to enroll in a Medigap plan. This is because you will be subject to underwriting which can raise costs or even eliminate you from being eligible for certain plans. This is especially true for people who have disabilities or pre-existing conditions.

Enroll In Medigap Now

Don’t wait to get Medigap coverage, especially if you recently signed up for Medicare Part B. Take advantage of the Medigap Open Enrollment Period while you still can. Speak with one of the agents at R&R Insurance Solutions to get started with a free quote on coverage in your area.