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Medicare Supplement Insurance Eligibility

4 things to know about Medigap eligibility:

  1. Medigap eligibility requires you to be enrolled in Medicare Parts A & B and be over 65.
  2. You can buy a policy outside of your Medigap open enrollment period, but your health history could affect your eligibility and premium.
  3. You cannot buy a Medigap policy if you have a Medicare Advantage Plan.
  4. If you’re under 65 and enrolled in Medicare, you may be able to buy a policy if you’re disabled.

To be eligible for Medicare Supplement insurance, you must be:

  1. Enrolled in Medicare Parts A & B (Original Medicare health insurance)
  2. 65 or older, or have a disability

You cannot buy a Medicare Supplement policy if you have a Medicare Advantage Plan. These two types of coverage are incompatible. If you want to switch from a Medicare Advantage Plan to a Medicare Supplement policy, you must first disenroll from the Medicare Advantage policy.

Medigap eligibility and pre-existing conditions

Your eligibility to purchase a Medigap policy first begins when you are at least age 65 and are receiving Medicare Part B benefits. The first six months that you meet these eligibility requirements are called your Medigap open enrollment period, during which you have guaranteed issue rights. These rights allow you to purchase any of the 10 types of Medigap plans that are available in your area, without any regard to preexisting health conditions.

No matter what, it’s always best to apply for a policy during the open enrollment period. That’s because, during this period, insurers are not allowed to deny you a policy or raise your rates because of past health problems.

If you buy outside of the open enrollment period, this protection may not be there. In this situation, insurers may raise your rates or choose to not offer you a policy because of your past health problems. For more details, read our page on buying a Medicare Supplement policy.

 

Resource Center

Definition of Medicare Supplement Insurance (Medigap)

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What Is a Medicare Supplement Insurance Plan?

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Medicare Supplement Insurance (Medigap) and Medicare Advantage serve two different purposes. Learn the differences in this guide.

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What is a Medigap Insurance Policy?

Medicare supplement insurance, known as Medigap, helps reduce some of the out-of-pocket costs of Original Medicare.

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Comparing Medicare Supplement Insurance Plan Costs

Medicare Supplement Insurance plan costs will vary based on provider, location and your age. Learn more and compare free Medigap plan quotes.

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