You can sign up for Medigap insurance at any time. However, there are some time frames that are make the process much easier, and can reduce your costs.
1) The Initial Enrollment Period (IEP). During your first 6 months of Part B coverage, your acceptance is guaranteed, regardless of your current level of health.
2) The "Guaranteed Issue" Period. If you are about to lose coverage through an employer (creditable coverage), you will have a "guaranteed issue" period lasting 63 days when you can purchase any Medicare Supplement Insurance policy with no health questions asked.
If you apply for Medicare Supplement Insurance outside of these time frames, you may have to go through the complicated process of medical underwriting and answering lots of invasive health questions. To learn more, and to get help going through the process, call us today at (866) 983-1023, TTY Users: 711.