When to Apply for a Medigap Insurance Plan

Published by: Medicare Made Clear

When it comes to making Medicare decisions, you may be considering a Medicare supplement insurance plan, also known as a Medigap plan. A Medigap plan helps pay some of the out-of-pocket costs that Medicare Parts A & B doesn’t, such as deductibles, copayments and co-insurance.



When Can I Get a Medigap Plan?


You can apply to buy a plan at any time; however, you do have a 6-month Medicare Supplement Open Enrollment Period that begins the first day of the month in which you're both age 65 or older and enrolled in Part B. Some states have additional Open Enrollment periods and Guaranteed Issue requirements.

If you enroll during this time you are guaranteed coverage regardless of health status.


If you miss the Medicare Supplement Open Enrollment Period or Guaranteed Issue periods, you can still apply for a Medigap plan at any time. However, restrictions and/or underwriting for current health status may apply in states that allow it.



What If I Need to Change My Medigap Plan?


If your health, financial or lifestyle needs change and you want to explore other plan options, yes, you can change your Medigap plan. You can apply for a different Medigap plan at any time during the year but doing so outside of your Medicare Supplement Open Enrollment Period or a Guaranteed Issue period means there is no guarantee of coverage and that your past health history may influence plan premiums.


You can learn more about the basics of Medicare supplement insurance plans here.

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UnitedHealthcare pays royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. AARP and its affiliates are not insurers. AARP does not employ or endorse agents, brokers or producers.


AARP encourages you to consider your needs when selecting products and does not make product recommendations for individuals.


Please note that each insurer has sole financial responsibility for its products.


AARP® Medicare Supplement Insurance Plans

AARP endorses the AARP Medicare Supplement Insurance Plans, insured by UnitedHealthcare.


Insured by UnitedHealthcare Insurance Company, Hartford, CT (available in all states/territories except ND, NY) or UnitedHealthcare Insurance Company of America, Schaumburg, IL (available in NC, ND, OH, PA, SC, TX, VA) or UnitedHealthcare Insurance Company of New York, Islandia, NY (for NY residents). Each insurer has sole financial responsibility for its products. Policy Form No. GRP 79171 GPS-1 (G-36000-4).


In some states, plans may be available to persons under age 65 who are eligible for Medicare by reason of disability or End-Stage Renal Disease.


Not connected with or endorsed by the U.S. Government or the federal Medicare program.


This is a solicitation of insurance. A licensed insurance agent/producer may contact you.


You must be an AARP member to enroll in an AARP Medicare Supplement Plan.



Medicare Advantage plans and Medicare Prescription Drug plans

Plans are insured through UnitedHealthcare Insurance Company or one of its affiliated companies, a Medicare Advantage organization with a Medicare contract and a Medicare-approved Part D sponsor. Enrollment in these plans depends on the plan's contract renewal with Medicare. You do not need to be an AARP member to enroll in a Medicare Advantage plan or Medicare Prescription Drug plan.


This information is not a complete description of benefits. Contact the plan for more information.