For Consumers

When can I sign up or switch Medigap plans?

When can I sign up?

  • To qualify for enrolling in a Medigap (also called Medicare Supplement) plan, you must first be enrolled in Original Medicare Parts A and B.
  • The best time to sign up for a Medigap plan is during the first six months in which you are age 65 or older and also enrolled in Part B. To sign up, contact the private insurance company directly. See Approved Medicare Supplement plans (PDF, 229KB) for contact information.
  • If you're under 65, you might not be able to buy the Medigap plan you want - or any Medigap plan - until you turn 65.

When can I switch plans?

If you're already enrolled in a Medigap plan B through N, you can switch at any time to another Medigap plan B through N. If you have a Medigap plan A, you can switch to any other Medigap plan A. In either of these situations, you do not have to take a written health screening questionnaire.

However, if you're switching from some other type of health insurance plan to a Medigap plan, rules can vary and insurers may require you pass a written health screening questionnaire. If you're not sure you need to take a written health screening, call our Insurance Consumer Hotline at 800-562-6900 and ask to speak with a health compliance analyst.